Move Ups | Pilot Mortgages

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Should you buy or sell first?

The answer is dependent on what kind of property you currently live in and where it is.

It is important to take into consideration demand in your area and comparable property sales times.

You will want to know your finances and if you can carry two properties should it take longer to sell than expected.

The value of your home is dependent on the market and what buyers think it is worth. Your realtor and broker can help you decide where you should buy or sell first.

How big a move-up should you make?

Selling and buying are expensive and come with many fees. If you are going to make a move – make it count.

If you need more space but don’t have much budget perhaps a different neighbourhood can accommodate.

It is important to think about your short and long-term goals and what your lifestyle needs will be and become.

Knowing what type of homeowner you are and want to be is crucial for success. Do you enjoy upkeep and maintenance and will you be able to handle the time requirements and cost of a bigger yard and house?

What do you need to do now to be ready to sell your current home?

If you start to prepare your current home now, you will be ready to jump on the perfect move-up opportunity.

How can you maximize your investment in your property now to get the optimal ROI?

Do you have a realtor who is able to give you advice on what changes should be made and what the market wants?

Are you clear on your existing mortgage and the penalties that might be incurred?

We help move up buyers all the time and can help you answer all of these questions.

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Our Approach

The Move Up Process

Some rates come with conditions that may not support your longterm goals and there are things we look out for.

01. Complete Intro Form 2 min

It all starts with a simple "Who are you?" form. Once this is completed one of our team members will reach out and set you up with an application. Click below to start the form:

02. Request Application 5–10 min

After we connect with you, a formal application will be supplied which is to be completed so we can begin shopping it to lenders.

03. Document List Provided 20 min

Based on your employment and financial situation the documents needed will vary, so at this stage, we will narrow down exactly what we need from you to succeed in getting the best rate.

04. Mortgage Goal Planning 30–60 min

Now it is time to dig deep and define exactly what you want, how we are going to get it, what we can afford and answer any questions you may have.

05. Certificate of Pre-Approval

Time to start shopping! Now that you know what you can technically afford it is time to get a great realtor who will help you shop for the property you want.

06. Lender Selection 10 min

You have narrowed in on the home you want and this is our time to search for the absolute best rate possible and send it off for final approval.

*at this stage we usually find better rates than when you were pre-approved

07. Approval Package Review 15–45 min

Congratulations you only have the mortgage paperwork left, but don't worry, we guide you through it page by page.

08. Closing Time 5–10 min

Now your mortgage is complete and your journey to owning your property is pretty much done. All that is left is meeting with the lawyer and finalizing a couple of final details.

“When we found a house, we started the process and due to situations that arose, we had to change the closing date. The team very quickly organized all the changes and did a great job. Pilot helped us become home owners.”

— Ariel G