How to Sell and Buy a Home at the Same Time in Tauranga

Selling your current home while buying the next one can feel like juggling two big transactions at once. The timing, finance, and logistics all have to line up — but with a clear plan and the right team, you can move without the chaos.

As a mortgage broker in Tauranga, I help homeowners structure lending, line up settlements, and avoid double moves. Use this guide to choose the path that suits your budget and timeline.

1) Get your finance sorted first

• Pre-approval: lock in borrowing power for your next home loan Tauranga purchase.
• Equity & pricing: estimate your sale price and available deposit.
• Scenario plan: compare selling first, buying first, or using bridging finance.

Your broker can model repayments, buffers, and fees so you know the true cost in each scenario.

2) Sell first or buy first?

Sell first — safer: you know exactly what you can spend and avoid two mortgages, but you may feel time pressure to find the next place.

Buy first — flexible: more time to find the right home, but you may need a temporary funding solution if your current sale lags.

3) Bridging finance (use carefully)

Bridging loans cover the gap between buying and selling. They’re short-term and interest-only, best used when both deals are confirmed and settlement dates are close. We’ll calculate daily interest so you can see the exact cost before you commit.

4) Time the settlements

• Aim to settle both properties the same day or within a few days.
• Negotiate an extended settlement on your purchase to avoid moving twice.
• Use a smaller deposit (5–10%) to hold the new place while your sale goes unconditional.

5) Work with experienced pros

Choose an agent used to simultaneous buy/sell deals and keep your solicitor looped in early. Your broker can coordinate with both lenders if you’re switching banks so your discharge and new drawdown line up smoothly.

6) Prepare your current home to sell faster

• Declutter, tidy gardens, and fix easy maintenance items.
• Stage key rooms for better photos and faster offers.
• Consider small, high-impact upgrades (paint, lighting) if ROI is clear.

7) Plan for speed bumps

Build a buffer for short-term overlap costs (storage, temporary accommodation, extra interest). If a buyer pulls out or a valuation is short, a buffer stops you from accepting a poor offer under pressure.

8) Keep documents organised

Store pre-approval letters, S&P agreements, LIMs, valuations, and discharge forms in one folder. Fast access helps your solicitor and lender keep dates aligned.

Example — smooth move in Tauranga

A Bethlehem family wanted to upsize without bridging for long. We set conditional pre-approval, priced their sale realistically, and negotiated a three-day gap between settlements. Funds flowed straight from sale to purchase — one move, no storage, no double mortgage.

Bottom line

Selling and buying at the same time doesn’t have to be stressful. With the right structure, aligned settlements, and clear communication, you can step into your next place with confidence.

Book a free chat and I’ll map out your options, compare lenders, and tailor your home loan Tauranga to match your move.