01
The four move-up protocols
Sell first (rent bridge), buy first (hold both), subject-to-sale, bridge financing — matrix of which fits you.
02
Zero-day-gap timing
How to coordinate sale and purchase completion dates so you don't carry both homes or live in a rental.
03
Equity calculation worksheet
On a $1.2M sale — remaining mortgage, prepayment penalty, selling costs, PTT on new purchase, net deployable equity.
04
The PTT step at $2M
Property Transfer Tax is 1% on the first $200K, 2% up to $2M and 3% from $2M to $3M (plus an extra 2% on residential value above $3M). For example, a $2.1M purchase pays about $41,000 in PTT versus about $37,800 at $1.99M — the higher rate applies only to the portion above $2M.
05
Move-up zone scorecard
Six neighbourhoods scored on schools, commute, home size, resale, lifestyle — helps you shortlist without six weekends of guessing.
06
Transition budget — 9 line items
Legal, PTT, bridge interest, moving, staging for current home, storage, paint/touch-ups, new-home window treatments, utility setup.
07
90-day list-ready countdown
Weeks 12-9 (prep + pricing), weeks 8-5 (staging + listing), weeks 4-2 (offers), week 1-0 (subject removal + completion).
08
Lender carrying-both scenarios
If you bridge, what does monthly look like? How long can you financially carry both homes? Worked examples at three price points.