Upsizing with Chris

Space and layout

Tell me where your current home feels short of space and when it happens. A room count alone may not answer it. A private work area, usable storage or a better separation between sleeping and shared spaces can matter more than extra floor area.

Make two lists: needs that would justify the move and features you could trade off. At viewings, check furniture fit, doorways, circulation, daylight and how the rooms connect. If your plan depends on renovations or another unit, investigate permits and permitted use with the right professionals. Do not assume the work is allowed or that unverified rent will cover the costs.

Affordability before extra rooms

Start with a monthly cost you can comfortably carry, not the largest mortgage offered. Ask your lender to review your income, debts, down payment and the property before relying on an approval. Pre-approval is not final approval of a purchase.

Compare mortgage payments, property taxes, insurance, utilities, maintenance and condo fees where applicable. A larger home may cost more to heat, maintain or repair. Keep a reserve after closing rather than using every available dollar on the purchase.

Ask your lender about your existing mortgage, including portability, qualification requirements, payout penalties or discharge costs. Add the sale costs and the next home’s land transfer tax, legal costs, adjustments, inspection or appraisal and moving expenses. Confirm any short-term financing directly with the lender.

Location and commute

More space can come with a different daily journey. Compare the addresses you are considering against work, school, care commitments, errands and the people you see often. Try the routes at the times you would actually travel, rather than relying on a single map estimate.

Decide which location trade-offs you would accept before widening the search. Check school assignment and programs with the school board, and confirm transit schedules and property-specific details with their current sources. I can help you compare the homes without treating one neighbourhood as the right answer for everyone.

Connect the sale and purchase

The home you are leaving is part of the buying plan. We can discuss likely preparation, the evidence for a sale-price range and the homes available within your comfortable purchase budget. An estimated sale price is not money you can assume is already available.

Compare buying first with selling first, including the risk of carrying two homes or needing somewhere temporary. Confirm deposit funds and any financing between closings with your lender. Choose completion dates and conditions deliberately; do not drop protections just to make the calendar look tidy.

Keep the actual condition deadlines, required notices and professional reviews together. Your lawyer advises on legal obligations and changes to the agreements. When the dates are firm, book the move, arrange services and wait for closing confirmation before planning access to the new home.