Here is a list of the things to do when moving home, some of them are more urgent than others.
Set up your home phone and internet.
Take photos of the meter readings for gas, electricity and water.
Set up utilities including water and sewage.
Let the local council know your new address for council tax purposes.
Update the address on your driving licence
Change your address for your car insurance.
Giver your new address with the DVLA for logbook and road tax.
How to pack a house to move home?
The first thing to do is have a clear out of everything that you don’t want or need anymore. There is no point in moving items that are going to end up in the bin.
You should consider the following:
Anything of value could be listed on ebay.co.uk for sale.
Clothes and small items could be donated to charity.
Your local authority will collect larger items for disposal.
This process should be started early in the moving process, this will give you more time to get organised and a less cluttered house views better.
Straight away you will have less to move, making the job easier and if you are employing a removal firm it will be cheaper.
When it comes to packing material, shop around there are lots of online companies that will deliver which could save you money.
How much does it cost to sell a house?
The cost to sell your home can vary dramatically, as can the service that you receive. Typically, local high street estate agents will charge you between 0.5% and 1% of the final selling price subject to a minimum fee. This is usually paid at the end if they sell your property. Typically, online estate agents offer a fixed fee that is paid at the start when you market the property. You should consider the following before choosing:
Do you want to be able to visit the agent?
Only around 50% of properties listed complete with the first agent.
How well does the agent know the local market?
How quickly does the agent answer the phone and emails?
Previous customer reviews.
Do you want to pay an upfront fee or a fee at the end?
What should I do before selling a house?
Before you think about moving home and selling your house, you should consider the following.
Have a clear out of everything that you don’t want or need anymore.
Check how much you owe on your current mortgage and if there are any penalties if you move.
Get the property valued, it is best to get a couple of opinions from local estate agents and online estate agents.
Speak to your mortgage adviser to find out how much you can borrow on a mortgage and the maximum purchase price of a new property. Remember to factor in moving fees and stamp duty.
Choose a solicitor, check online reviews and speak to the person you will be dealing with to make sure you get on. Getting the legal paperwork completed early in the process will make everything much quicker.
If you have improved the property since you purchased it, find any guarantees, planning permission or installation certificates and have them ready for the new buyer.
Moving home – Mortgage Plus
What is a home mover mortgage?
Home mover mortgages are designed with the home mover in mind. They may have a free valuation, cashback or an offer of free legal fees. Shopping around to get the best deal could save you thousands.
Even better we could do it for you?
What is porting a mortgage?
Porting is a term used by mortgage companies for moving your mortgage from one property to another. Not all mortgages are portable. If you are considering a move it’s always best to check your mortgage terms and conditions.
Can you port your mortgage to a cheaper house?
Yes, it’s possible to move your mortgage to a cheaper property on completion of the sale of your current property.
Things you need to consider first:
Is your mortgage portable?
Will there be enough deposit to meet the lenders criteria?
Are there fees if you need to reduce the mortgage?
The main thing the lender will want is a deposit amount percentage equal to the amount of the mortgage product you are moving. So, if you put a 25% deposit down when you took the mortgage out, the lender will want to see a 25% deposit on the new cheaper property.
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What happens to your mortgage when you sell?
When you are moving home, you can either pay your mortgage off and take a new one or move the mortgage to a new property, known as porting. Not all mortgages are portable, and some mortgages can have penalties if you pay them off within the fixed or discount period.
Can you change mortgage when you move?
Moving home is a great time to review your mortgage and protection to make sure you have the best deal. The best mortgage deal may be with your current lender but shopping around could save you thousands.