Residence Transition Planning
Two residences. One transition. Prepared before time becomes pressure.
A residence transition may involve an acquisition commitment today, a final payment in the future and an existing residence whose sale cannot be timed with certainty.
DGF Private Office brings these elements into one coordinated process before the funding gap becomes urgent.
This responsibility may be accepted as part of a broader Residence Passage mandate. It is not offered as a separate open service. Residence Passage →
The situation
When wealth and liquidity do not move at the same time
A client may hold significant value in a principal residence, investment portfolio or other assets while having limited recurring income.
This can create difficulty when a new residence must be completed before the existing one has been sold. Conventional affordability assessments may not reflect the client's full balance sheet, anticipated sale proceeds or the temporary nature of the financing requirement.
Without early preparation, the client may lose negotiating freedom, liquidate investments at an unsuitable time or expose the existing residence under avoidable pressure.
The DGF approach
The transition is considered as one matter
The acquisition of the next residence, the preparation of the existing residence, the client's liquidity and the temporary financing requirement should not be treated as unrelated questions.
DGF Private Office establishes one transition plan and coordinates the appropriate parties around it.
I.
Transition Readiness Review
The whole passage is established in writing before any party is approached.
- acquisition commitment
- payment and completion dates
- expected moving date
- existing residence
- realistic sale timetable
- current mortgages and liabilities
- recurring income
- available liquidity and financial assets
- professional advisers already involved
- consequences of a delayed sale
II.
Residence Preparation
The existing residence is prepared early enough to preserve choice. Early preparation does not necessarily mean immediate public marketing.
- document collection
- valuation
- technical review
- presentation strategy
- sale-readiness assessment
- controlled exposure timetable
- appointment of the appropriate local adviser
III.
Funding-Gap Assessment
The mismatch is described in figures and in time, together with the position should the sale take longer than expected.
- amount and duration of the anticipated mismatch
- expected net sale proceeds
- available liquidity
- existing collateral
- portfolio assets that may or may not be accepted by a lender
- position if the sale takes longer than expected
- maximum tolerable bridge period
IV.
Financing and Security Coordination
DGF Private Office may coordinate consideration of appropriate structures with authorised banks and professional advisers. Depending on the client, the assets and the jurisdiction, these may include the following. Not every structure will be available.
- conventional bridge financing
- an additional mortgage
- a pledged cash reserve
- a blocked or pledged account maintained with the financing bank
- securities-backed lending where accepted by the lender
- partial and carefully timed liquidation of investments
- deferred payment arrangements where available
- another appropriately authorised financing partner
V.
Coordinated Passage
DGF Private Office remains the client's point of continuity while the appointed parties perform their respective roles.
- bank or regulated lender
- property adviser or selling agent
- lawyer
- notary
- tax adviser
- investment adviser or custodian
- valuation and technical specialists
- family representatives
Why preparation begins early
The correct time to prepare is when the next residence is committed to — not when its final payment becomes due.
A residence may require months to prepare, position and transfer properly. A new development may also be delayed, brought forward or completed while the existing residence remains unsold.
Early preparation creates alternatives.
It allows the client to understand the likely funding gap, approach suitable financing partners, assemble the evidence and security package, and decide when the existing residence should be introduced.
The purpose is not to accelerate the sale unnecessarily. It is to prevent urgency from determining the outcome.
Clients for whom this may be relevant
Situations requiring early coordination
- retired or semi-retired owners who are asset-rich but income-constrained
- families acquiring a new residence before selling the existing one
- buyers of residences under construction or development
- owners whose wealth is concentrated in property or investment portfolios
- clients whose bank cannot accept parts of their portfolio as collateral
- families coordinating several banks and professional advisers
- owners who wish to avoid an unnecessarily hurried sale
- cross-border residence transitions involving different advisers or banking relationships
These are situations, not categories of eligibility. Each matter is considered individually.
Division of responsibilities
One point of continuity. Properly appointed execution.
DGF Private Office coordinates the transition as a whole.
Where financing, mortgage advice, investment advice, custody, brokerage, legal advice, tax advice or another regulated activity is required, that activity is undertaken only by an appropriately authorised independent institution or professional. DGF & Co Capital Services GmbH acts only within its actual legal authority.
DGF Private Office does not receive client funds, operate client escrow accounts or represent itself as a lender or mortgage adviser.
In closing
Preserving the freedom to decide properly
The purpose of Residence Transition Planning is not merely to fill a temporary financing gap.
It is to preserve the client's ability to prepare the existing residence properly, consider the available choices and complete the passage without allowing time pressure to replace judgement.
The next residence should not force the previous one into a bad decision.
Request consideration →Request consideration
A few sentences on the transition — what is being acquired, what is being left, and the dates presently known — is more useful than particulars of any asset.
A request creates no engagement, mandate or financing commitment on either side. It is read in confidence and used solely to consider whether the matter is appropriate for the House.
Please do not submit bank statements, portfolio records, identification documents or other confidential financial material through this initial form.