Complete Guide

Change House without Errors or Stress

What you need to know if you are thinking of changing house and want to do it right. We accompany you in the sale of your current home and the purchase of your new home.

Why do you need this guide?

A Life Decision

Changing house is not just an economic decision: it is a life decision.

Maybe your current house has become small, large, impractical... or simply no longer fits you. If you are at that point where you know you want a change, but don't know where to start, this guide is for you.

Here you will find clear answers, useful tips and real solutions so that the process of selling and buying is a success, without scares, without improvisations and without staying "in the air".

Clear Answers

To the most frequent doubts

Detailed Process

Step-by-step breakdown

Key Tips

To find your new home

Solutions

That facilitate the change

Global Vision

Understanding the Process Well

When you decide to change house, you are actually starting two operations:

The Sale of your Current Home

Valuation, preparation, marketing and closing of the sale.

The Purchase of your New Home

Search, visits, negotiation and signing of the new home.

And between one and the other there are key decisions, times that must match, money that must fit and many questions to solve. Therefore, before starting, it is important to have a complete vision of the process.

Habitual Step by Step:

1

Value your Current Home

Realism and strategy. You need to know how much your house is really worth in the current market to correctly plan your purchase.

2

Study Economic Viability

How much money will you have available after the sale? Do you need additional financing? What is your real budget for the new home?

3

Define what you Need

What characteristics your new house should have: location, size, distribution, nearby services, etc.

4

Prepare and Launch the Sale

Home staging, professional photography, 360º tour and dissemination in portals. Your house must stand out to sell fast.

5

Search in Parallel

While you sell, you look for purchase options that fit you. This way you don't lose time or opportunities.

6

Coordinate Times

The most delicate thing: closing the sale and the purchase in a way that you don't stay without a house or have to pay for two homes at the same time.

7

Sign, Move and Start

Deeds, notary, change of supplies, moving... and to enjoy your new stage.

Senda Hogar accompanies you throughout the process: We coordinate both operations so that the times match perfectly and you don't have to worry about anything.

We solve your doubts

Frequently Asked Questions

Should I sell first or buy first?

It depends on your financial situation and the market:

  • Sell first: More economic security, you know exactly how much money you have. But you may need a temporary rental.
  • Buy first: You are not left without a house, but you need bridge financing or enough savings for the deposit.
Our recommendation: Launch both operations in parallel with conditioning clauses that protect your situation.

What happens if I sell but don't find anything I like?

It is one of the biggest fears. Solutions:

  • Agree on a flexible delivery date in the sale
  • Include conditioning clause to the purchase of another home
  • Have a plan B: temporary rental or stay with family
Personal Shopper Service: While we sell your house, we actively search for your new home throughout the market (portals, agencies and off-market).

Can I use the money from my current house for the entry of the new one?

Yes, it is most common. But it must be well coordinated:

  • You need the notary signatures to be close in time
  • Or request a temporary bridge loan from the bank
  • Or negotiate a deferred payment of the entry with the seller
Total coordination: We manage the times of both operations so that the money flows correctly without the need for additional loans.

What taxes do I have to pay?

When changing houses, you pay taxes on both operations:

  • When selling: Municipal capital gains + IRPF for capital gains (if you sell for more than what you bought)
  • When buying: ITP (second-hand housing) or VAT + AJD (new housing)
Tax optimization: If you reinvest in habitual residence, you can apply exemptions in the IRPF. We advise you to minimize the tax burden.

Do I need to cancel my current mortgage before asking for another?

Not necessarily. Options:

  • Subrogation: Transfer your current mortgage to the new home (if the bank allows it)
  • Cancellation + New mortgage: Most common. It is canceled with the money from the sale and you ask for a new one
  • Bridge loan: Temporary financing until you sell
Financial advice: We negotiate with the banks the best conditions for your new mortgage and manage the cancellation of the previous one.

Integral Service

Solutions that Help You Change House

Dual AI Valuation

We value your current house AND analyze the market in your target area to optimize your investment.

Total Coordination

We manage both operations in parallel so that the times match perfectly.

Personal Shopper

We actively search for your new home while we sell the current one.

Premium Marketing

We sell your house fast with professional photography, 360º tour and massive dissemination.

Financial Management

Cancellation of current mortgage, negotiation of the new one and bridge loans if necessary.

Legal Security

Protection clauses, review of contracts and support in both notaries.

Are You Thinking of Changing House?

We accompany you in the sale and the purchase so that everything fits perfectly.

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