Who helps with which decisions

Decisions about a shared home usually involve more than one adviser. Knowing who answers which questions saves time and avoids relying on someone for advice outside their role.

• Explains market conditions and prepares a market assessment
• Recommends preparation priorities and a pricing and marketing plan
• Arranges photography, showings, and access according to agreed arrangements
• Presents offers and negotiates on instructions from the people with authority to decide
• Does not give legal, tax, or financing advice, and does not decide how proceeds are divided

• Advises on rights, obligations, and agreements between the owners
• Advises on whether a sale, a buyout, or another arrangement fits the circumstances
• Advises on who needs to approve decisions about the property

Prepares and registers the documents that complete a sale or purchase, handles the transfer of funds, and arranges for mortgages to be paid out.

Provides an independent, formal opinion of value, typically when a lender or a legal process requires one. See market assessment vs. appraisal vs. assessed value.

• Confirms the mortgage payout, any penalty, and fees
• Explains whether a mortgage could be transferred
• Assesses financing for someone who wants to keep the home or buy another

An accountant or tax adviser for tax questions, a financial planner for broader planning, and a counsellor or mediator for communication and decision-making support.