Moving home can be a daunting experience, but using this guide will make your life much easier as you’ll be certain that you have remembered everything that needs to be done. There are so many things to remember, so we’ve tried to help by generating a list of the things that you should consider.
Of course before you move home, you will need to be certain that you have the funding available for a contractor mortgage. You can browse through the services that we offer relating to mortgages for contractors on the other pages of our website . Once you have a contractor mortgage agreed you can begin the moving process.
First of all you need to decide on a date for the move to take place, which is usually the contractor mortgage completion date. It’s best to try and move in the week if you can, as public holidays and weekends are when removals are most popular and so prices may be higher, and the deadlines may be tight. If you want to remove some of the stress, a weekday is likely to be the best time to move when removal companies will possibly have more time to help with your move.
To avoid unnecessary stress, make sure that you do your packing well in advance. The last thing you want is to be packing your boxes the night before – you’ll be up all night and this will just cause tension on the moving day. This will also allow you the time to de-clutter and clear out any possessions that you no longer want or need. If you’re move to a smaller property, it will also give you a chance to dispose of any excess furniture.
If you have a garage, you could move all of your boxed possessions into it so that you can hire professional cleaners out to ensure that the property is spic and span before the move.
As soon as you exchange contracts, make sure that you book a removal company to avoid the issue of not being booked in for your chosen move date. Also make sure that your possessions are insured for the move – many removal firms will offer this as part of the service, but you need to check what is included and arrange your own insurance if it’s not. Point out to the removal firm or your own insurer any expensive or antique items so that you’re certain these are covered. Also make sure that all of your boxes are labelled to avoid damage of any delicate or expensive items.
If access to the old or new property are limited or difficult, you should let the removal firm know so that they can assess it before the move date and can plan accordingly. If you do not notify them you may be given a hefty bill due to extra unplanned time spent on the move.
When you know the move date, change your address with anybody that needs to know, including banks, credit card companies, employers, schools if you have children, DVLA, TV licensing and any TV/internet service providers. This will just help to reduce stress around the time of the move.
You may also want to contact Royal Mail to redirect any post to your new home as this will ensure that any mail that goes to your old address will be forwarded to the new one.
On the day of the move, note down the meter readings for the utilities in your old address so that you can settle your utility bills with your suppliers. Do the same thing with the meters in the new property so that you don’t end up paying for the previous occupiers’ power.
If you have heavy items and furniture, tell the removal firm where you want them to go to save trying to move them yourself later.
Struggling to get to grips with mortgage related terms? Use our quick-reference guide to help you.