A Guide to Moving house
Tuesday, 24 April 2012
House Insurance
From mortgages to home insurance, there are a lot of things to think about when moving house. Luckily, it need not be an overwhelming process.
Firstly, make sure you know what you can afford. You will need your own house on the market, a mortgage, or the cash to buy your dream home, so it is important to work out a budget first. There is no point finding your perfect property only to realise that it is out of your price range.
When you do start to look for a house, get to know local estate agents, as well as looking in newspapers and online. You may want to draw up a list of what you are looking for, but be prepared to compromise. You will inevitably find that some things are more important to you than others. Your priority may be the location, the number of bedrooms, or the size of the garden; just be sure you know what you want.
Once you have found the perfect house, and preferably had a couple of viewings, it is time to put in an offer. Your first one may be rejected, but this is not uncommon, and the vendor may come back with a counter-offer. If your offer is accepted, you will need to contact your solicitor and mortgage company, and have a survey done. It is possible that the sale could still fall through, especially if there is a chain, but once the contracts have been exchanged, the sale is final.
Now all that remains is to move in to your property, although do not forget to get house insurance, and to change your address with the bank, the DVLA, and anyone else you can think of. Most of all, however, enjoy your new home!
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