Nuvilion - Buy and sell property with judgement

Why this guide?

A decision that carries weight

Moving house is not just a matter of money: it changes your day-to-day life.

Maybe your home has become too small, too big or impractical, or it simply no longer fits you. If you know you want the change but not where to start, this guide is for you.

Here you have clear answers, useful criteria and concrete solutions to sell and buy without improvising and without getting stranded between the two operations.

Clear answers

To the most common questions

Detailed process

Step by step

Key criteria

To search for your new home

Solutions

That make the move viable

The full picture

Understanding the process

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

The sale of your current home

Valuation, preparation, exposure and closing of the sale.

The purchase of your new home

Search, viewings, negotiation and signing.

And between the two there are key decisions, deadlines that have to line up, money that has to add up and many questions to resolve. That is why it helps to start with the full picture.

The usual step by step:

Value your current home

Realistically. You need to know what it is really worth today to plan the purchase properly.

Check the financial viability

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

Define what you need

What the new home must have: area, size, layout, services nearby.

Prepare and launch the sale

Home staging, professional photography, 360° tour and portal exposure. Your house has to stand out to sell soon.

Search in parallel

While you sell, you review purchase options that fit. That way you lose neither time nor opportunities.

Coordinate the timing

The trickiest part: lining up sale and purchase so you are not left without a home or paying for two at once.

Sign, move and start

Deeds, notary, utility transfers, the move and settling in.

Nuvilion coordinates both operations: we line up the timing of sale and purchase so you do not have to worry about making them fit.

We answer your questions

Frequently asked questions

Do I sell first or buy first?

It depends on your financial situation and the market:

Sell first: more certainty, you know exactly how much money you have. In return, you may need a temporary rental.
Buy first: you are not left without a home, but you need bridge financing or enough savings for the deposit.

What we usually recommend: launch both operations in parallel, with clauses in each contract that protect your situation.

What if I sell but do not find anything I like?

It is one of the biggest fears. Options:

Agree a flexible handover date in the sale
Include a clause making the sale conditional on you finding your new home
Have a plan B: temporary rental or staying with family

Buyer's agent: while we sell your house, we actively search for the new one across the whole market (portals, agencies and off-market).

Can I use the money from my house for the deposit on the new one?

Yes, that is the usual way. It has to be well coordinated:

The notary signings need to be close together in time
Or take a temporary bridge loan from the bank
Or negotiate a deferred deposit payment with the seller

Timing coordination: we line up the timing of both operations so the money flows without the need for extra financing.

What taxes do I pay?

When you move house, you pay on both operations:

On the sale: municipal capital gains + income tax on the gain (if you sell for more than you bought)
On the purchase: transfer tax (resale) or VAT + stamp duty (new build)

Tax planning: if you reinvest in your main home you can apply the income-tax exemption. We help you set it up right.

Do I have to cancel my current mortgage before taking another?

Not necessarily. Options:

Transfer: move your current mortgage to the new home, if the bank allows it
Cancel and sign a new one: the most common. It is cancelled with the money from the sale and you sign another
Bridge loan: temporary financing until you sell

Financial management: we negotiate the terms of your new mortgage with the banks and handle the cancellation of the previous one.

Full service

Solutions for moving house

Double valuation

We value your current house and analyse the market in your target area to size up the operation properly.

Timing coordination

We run both operations in parallel so the timing fits.

Buyer's agent

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

Preparation and exposure

We sell your house soon with professional photography, a 360° tour and wide exposure.

Financial management

Cancellation of the current mortgage, negotiation of the new one and a bridge loan if needed.

Legal certainty

Protection clauses, contract review and support at both notary appointments.

Moving house without mistakes or jolts