K
Keith WintermansReal Broker
British Columbia
For BC homeowners

The Move-Up Calculator

by [Realtor Name]

Know exactly what you'll walk away with, and what your next home will cost you, before you list.

Not sure what your home is worth? Get a free home valuation
Cash left after the move (20% down)
$146,254

You'd have $146,254 left after the move.

Sell
$957,000
Buy
$1,800,000

Selling your current home

What actually lands in your bank account.

$957,000
7%
2.5%
$375,000
$0

Breaking your mortgage early can cost thousands. Ask your lender, or enter $0 if you're porting your mortgage.

$2,000
$1,000
$3,000
Real estate commission
$28,425
GST on commission
$1,421
Current equity
$582,000
Prepayment penalty
$0
Net sale proceeds$546,154

After commission, GST, legal, staging, repairs, mortgage payout, and any prepayment penalty.

Buying your next home

What it takes to close on the move-up.

$1,800,000
20%
$1,800
$600
$500
$3,000
Down payment (20%)
$360,000
Property transfer tax
$34,000
Closing cost breakdown
Property transfer tax$34,000
Legal / notary fees$1,800
Home inspection$600
Title insurance$500
Moving costs$3,000
Total closing costs$39,900

Your new mortgage

What you'll borrow and pay each month.

4.5%
New mortgage amount
$1,440,000
Estimated monthly payment
$7,970 /mo
Your move-up math
Net from your sale$546,154
Down payment (20%)− $360,000
Closing costs− $39,900
Your move-up result+$146,254

You'd have $146,254 left after the move.

Sellers in BC don't pay property transfer tax — the buyer does. Mortgage payout is an estimate; confirm your exact balance with your lender.
Email me my move-up plan

We'll send your personalized numbers.

Figures are estimates for planning purposes only and are not financial or legal advice. Confirm exact amounts with your lender, lawyer or notary.

Not sure what your home is worth?

Get a free home valuation from Keith Wintermans.

Figures are estimates for planning purposes only and are not financial or legal advice. Confirm exact amounts with your lender, lawyer or notary.

How the math works

Three steps, all built on BC costs.

1
What you get from a sale

Your sale price, minus commission and GST, legal fees, staging, repairs, your mortgage payout and any prepayment penalty.

2
Cost of your next home

Your down payment plus BC closing costs: property transfer tax, legal fees, inspection, title insurance and moving.

3
Cash & Mortgage Options

Subtract one from the other. A surplus can shrink your new mortgage. A shortfall shows exactly what you'd need to cover.

Run your numbers ↑