Buying a new home is exciting. Selling your current one is… a lot. Combine the two and many doctors, dentists and vets end up riding an emotional seesaw while trying to make one of the biggest financial decisions of their lives. Add in a real estate agent telling you, “The market’s hot, don’t miss your moment,” and it’s no wonder clear strategy can quickly go out the window.
But here’s the truth how we see it. The best time to sell isn’t when someone tells you the market is peaking. It’s when you are structurally and financially ready to make your next move without pressure.
Your finance is the quiet backbone of the whole journey. Get that right and everything else becomes more manageable. Get it wrong and every open home, every offer and every negotiation feels like a countdown timer.
How is your finance structured?
Before you start scrolling listings or memorising floor plans, your lending structure needs to support your decision making. A well-structured finance setup gives you clarity, confidence and space to think instead of reacting.
Are you relying on bridging finance to buy your next home?
Bridging finance can be incredibly useful but it invites emotion into the process. You feel the deadline. You feel the debt. You feel the pressure to make decisions quickly.
Ultimately, you’re required to sell within the bank’s bridging timeframe. And regardless of what market percentages suggest, if there aren’t enough buyers during your sales campaign, you may be forced to accept a sub-par result. Leaving a bitter taste that can linger long after you’ve moved into your new home.
Quick decisions rarely maximise sale price.
As Credabl Residential Specialist Nick Tagg explains, “People think the pressure comes from the property market. In reality, the pressure comes from feeling financially pinned into a timeframe.”
Can you comfortably hold two mortgages for a period?
This is the dream scenario for control. If you can manage two home loans temporarily, you buy yourself mental and financial breathing room.
Suddenly, the sale looks different.
You’re not racing buyers.
You’re not lowering expectations.
You’re not negotiating from a place of urgency.
There are other strategies to include into your sale process; these options include:
- Stay off-market until the right buyer appear
- Extend your sale campaign without financial stress
- Hold your price instead of folding early
- Move when it suits your life and not the agent’s diary
The emotional advantage: calm always beats reactive
Buyers can sense when a vendor is confident. It changes the entire negotiation dynamic.
When you’re not under financial pressure, your emotional responses soften. You can see the process for what it is instead of what it threatens to be. You tend to make clearer, cleaner decisions. With the power to recognise a good buyer and reject the wrong offers without flinching.
Remove pressure, regain power
The less you need to sell, the better you ultimately do. That’s why getting your finance structure sorted early is the smartest part of the buying and selling journey. Get in contact with our team of Residential Lending Specialists today to get your strategy in motion.
