Quick answers

Quick answers about the Move-Up Planner

What's inside, who it's for, and how the Parallel Motion protocol avoids the two-closing-gap trap that breaks most move-ups.

What's inside the Move-Up Planner?

An 18-page guide covering the four move-up protocols, the Zero-Day-Gap coordination playbook, the equity-map worksheet, the $2M PTT cliff, the move-up zone scorecard for Coquitlam catchments, transition budgeting, the 90-day countdown, and how lenders underwrite buyers carrying two mortgages briefly.

What is a Coquitlam move-up?

A move-up is a sale-plus-purchase transaction executed together — typically selling a townhome or starter detached to buy a larger detached in a stronger school catchment. The difficulty is not either transaction individually; it's coordinating the two close dates so the family isn't homeless for three weeks or double-paying bridge interest.

What's the #1 reason Coquitlam move-ups fail?

Most agents treat the sale and the purchase as two separate transactions with independent timelines. That's clean for the agent and terrible for the family — the gap between closings becomes the family's coordination problem. Parallel Motion runs both transactions from week one to land close dates 7–14 days apart.

Is the Move-Up Planner free?

Yes — completely free, no gated payment, no trial expiry. Opt-in gives you the PDF plus a seven-email onboarding sequence over two weeks covering the tax cliffs, neighbourhood comparisons, and the strategy-call offer. Unsubscribe works on any email.

When should I start planning a Coquitlam move-up?

Start the equity map and pre-approval conversation 6–9 months before your target move-in month. Listing prep runs 60–90 days. Shopping for the next home happens in parallel, starting 3–4 months out. Most families underestimate how early they should begin by about 90 days.

How do you avoid paying bridge-financing interest on a move-up?

Parallel Motion lands the sale and purchase close dates 7–14 days apart, often with a short negotiated rent-back on the sold home that covers the physical move. Bridge financing becomes unnecessary when the timeline is built intentionally. Most families pay bridge interest not because the deal requires it, but because the schedule was never designed to avoid it.

Sources referenced on this page include the Real Estate Board of Greater Vancouver, BCREA, CMHC, the Government of British Columbia, School District 43, and the City of Coquitlam. Last reviewed 2026-04-20.

FREE DOWNLOAD — 18 pages

Craig Johnston · Top 2% Team Member — Royal LePage nationwide · Coquitlam

The Move-Up Planner — Coquitlam families, planned properly

An 18-page planning document for Coquitlam families moving from their first home to a bigger one. Written from experience with dozens of move-up transactions — the four protocols, the bridge-financing math, and the 90-day countdown that turns a stressful move into a calm one.

Book the 20-minute Strategy Call → Get Your Home Evaluation 📞 604-202-6092
  • The four move-up protocols compared — sell first, buy first, subject-to-sale, and bridge financing — with which one fits which situation and why.
  • The zero-day-gap math — what it actually takes to time sale and purchase so you have no carrying-both weeks.
  • The IRD (Interest Rate Differential) penalty trap explained — why breaking a mortgage early can cost $8K-$40K and how to avoid it.
  • The 90-day list-ready countdown — week-by-week from 'we should move' to offer-accepted, with specific tasks each week.

No sales calls. No drip of 30 emails. One download, one monthly market update, unsubscribe any time.

Get the Move-Up Planner

Where should I send it?

Enter your email and I'll send the PDF directly. You'll also get my monthly Coquitlam market update — the same one REALTORS in my office read first.

I respect your inbox. No sales calls. Unsubscribe any time.

Quick Answer

What should you know about Coquitlam Move Up Planner?

An 18-page planning document for Coquitlam families moving from their first home to a bigger one. Written from experience with dozens of move-up transactions… Craig Johnston, Top 1% Team Member — Greater Vancouver REALTORS® and 47+ year Tri-Cities resident, can walk you through the local context. Free Strategy Call ends with a written one-page plan in 24 hours.

What's inside

Every page in the Move-Up Planner — built from real Coquitlam deals

No filler, no generic advice you've read ten times. Every section pulls from the conversations I have with clients in my office each week.

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 cliff at $2M

Property Transfer Tax is 1% on first $200K, 2% up to $2M, 3% above. A $2.1M purchase costs $42K more than $1.99M. Pricing implications matter.

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.

What happens after you sign up

No pressure, no spam, no surprise calls

Here's exactly what lands in your inbox over the next week — and what doesn't.

01

Minute 1 — you get the PDF

A confirmation email arrives within a minute with a direct download link. The PDF is yours, no strings attached.

02

Day 3 — one short follow-up

A brief email asking if anything in the guide raised a question. Reply if it did. Ignore it if it didn't. That's the entire sequence.

03

First of each month — Coquitlam market update

Current inventory, pricing by neighbourhood, DOM trends, and one commentary note on what it means if you're planning your next move. Unsubscribe with one click, any time.

What you will not get

No phone calls unless you ask. No 30-day drip with urgency tactics. No list-rental or shared-with-partners. No "are you ready to buy?" emails every week. This is a signup, not a sales funnel.

Craig Johnston, REALTOR

About the author

Craig Johnston, REALTOR®

I've been in the Tri-Cities since 1982 and on Burke Mountain for the last nine years. I built this guide the way I'd build a briefing for a close friend — honest numbers, genuine trade-offs, and specific streets and buildings named where naming them mattered. You don't get that from templated PDFs.

If the guide answers your questions, great. If it raises new ones, my contact details are on the last page and you're welcome to email or text. I reply personally within a business day — no assistant, no call centre.

How I actually work with you

A five-step process built around clarity, strategy, and no-surprise execution — whether you're buying your first home or selling a property you've owned for twenty years.

  1. 01

    Evaluate — where you actually stand

    We start with a real conversation about your goals, timeline, and numbers. I'll pull current comps, assess your buying power or home's true market value, and tell you exactly what the data says — not what you want to hear.

  2. 02

    Strategize — a plan built for your situation

    I build a written strategy around your priorities: target neighbourhoods, pricing strategy, timeline, financing structure, and the trade-offs at each decision point. Every recommendation comes with a reason.

  3. 03

    Prepare — listings, offers, and due diligence

    For sellers: pre-list prep, staging direction, pro photography, and a pricing framework that draws interest without leaving money on the table. For buyers: offer structure, subject clauses, and the due-diligence checklist for every property that matters.

  4. 04

    Negotiate — protecting your position

    This is where experience pays for itself. I negotiate price, terms, subjects, deposit, completion dates, and the small details that don't show up in listings but decide whether a deal closes well or falls apart.

  5. 05

    Close — and stay with you after

    From subject removal through completion and possession, I coordinate with lawyers, lenders, inspectors, and trades so nothing drops. After closing, I stay in your corner for everything from tax-assessment appeals to the next move.

Book a Strategy Call →

Frequently asked

Questions about the Move-Up Planner

Should I sell my current home first or buy the new one first? +

It depends on (a) how much liquidity you have to carry both homes, (b) how specific your target home is, and (c) how hot the inventory you want is. Sell first protects the money; buy first protects the target home. The Move-Up Planner includes a decision matrix with five factors — most Coquitlam families end up in 'subject-to-sale' territory, which is the middle path.

What's the IRD penalty trap you mention in the kit? +

If you break a fixed-rate mortgage before maturity, your lender charges either three months' interest OR the Interest Rate Differential — whichever is greater. On mortgages taken at higher rates that have since dropped, the IRD can be $8K-$40K. The kit shows you how to calculate yours and when portability makes more sense than breaking.

Is the kit useful if I'm downsizing, not upsizing? +

The sale-side content, timing protocols, and transition budget all transfer. The equity math inverts (you're releasing equity instead of redeploying it). For a pure downsizer, the 'Coquitlam Neighbourhoods for Downsizers' page on the site is a better starting point, and the Move-Up Planner is a useful companion.

How current is the data in the planner? +

Last updated May 5, 2026 — current stress-test rates, current PTT tiers, current CMHC thresholds ($500K / $1.5M cliffs), and current Coquitlam median prices by neighbourhood. I refresh the kit every six months.

Related reading

More guides on the same topic

Coquitlam Move-Up Guide How Much House Can You Move Up To? Move-Up Protocol Move-Up Strategy Best Neighbourhoods for Move-Up Move-Up Tax Trap Guide Seller's Starter Kit First-Time Buyer Starter Kit
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