Turn your home equity into a living space that fits, with no bad surprises.
In retirement, many choose to sell their house for a smaller condo, a single-level home or a multigenerational property. The key: properly estimate the equity built up, the net profit after fees, and what that down payment lets you buy. AcheteurFuté makes all these numbers clear, in French or English.
The My Home section calculates the estimated value, mortgage balance and net profit after broker and notary fees — the money that becomes your next down payment.
With a large down payment from the sale, you can often avoid the CMHC premium. The calculators immediately show your new budget.
The coach helps you read condo fees, the contingency fund and the rules — often overlooked but decisive for peace of mind.
Elevator, ground-level entry, accessible shower: set your criteria and each property is evaluated on what matters to you today and tomorrow.
The multigenerational home (a unit for a relative) is gaining popularity. The coach explains the financial and tax implications to consider.
My Home — Resale
4 selling modes, net profit and broker vs no-broker comparison.
Calculators
New budget based on your down payment, total condo cost.
Neighborhood analysis
Services, healthcare, transit and quiet — what matters in retirement.
AI coach
Questions on condo fees, the contingency fund, taxation.
Selling your principal residence is generally exempt from capital gains tax in Canada. This means the equity built up can fully serve as a down payment for your next property. For your specific case, confirm with a tax specialist.
In a seller's market, some buy first (with a conditional clause); in a buyer's market, selling first reduces risk. A bridge loan can cover the gap. The coach helps you weigh both scenarios based on the current market.
Read the declaration of co-ownership and the budget: monthly fees cover common maintenance, and the contingency fund should be well-funded (often a recommended minimum as a percentage of the building's value). The coach points out what to examine.
AcheteurFuté helps you estimate a range from the value you enter, comparables and the neighborhood trend, in the My Home section. For an official value, a professional appraisal is still recommended.
It is financed like a residential property, but cost-sharing between generations and certain tax implications (income, capital gain on the secondary unit) deserve attention. The coach asks the right questions and directs you to professionals when needed.
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