Moving house can be an exciting time, but it can also be one of the most stressful times in your adult life!
There’s a lot to consider, and it’s not a decision that can be taken lightly. For most people, it’s a daunting and intimidating proposition, and it’s something that you can’t afford to make recklessly (or with limited understanding).
Doing Your Research
When you’re ready to buy a house, do your research. Make sure you’re getting the best deal possible, and gather as much information as you possibly can.
Let’s take a look at some of the things that you’ll need to know before making your decision.
Can You Afford A Mortgage?
This should be an obvious one, but it’s one of the most important factors when buying a house. When you’re looking at houses and mortgages, make sure you’re comparing the right information.
The interest rate is important, but that’s not everything. You’ll need to look at your own finances, what you can afford to repay, how long for, and whether you need a special mortgages, such as a CCJ Mortgage, to allow you to get onto the property ladder.
Where Do You Want To Move To?
Once you’ve done your research, and you know roughly how much a mortgage will cost, then it’s time to think about where you want to live.
You’ll need to decide whether you want to stay in the same area or move somewhere new. You can find a lot of advice online, but don’t believe everything that you read.
Before you move to a new area, find out what things are like around the area. It’s not just about the cost of the rent or mortgage, but also about its atmosphere.
Do You Know Anyone In The Area?
The saying ‘it’s not what you know, but who you know’ could not be more true.
You may want to make sure that you know lots of people in the area that you’re moving to, especially those that are in a similar position to you. They’ll be able to provide you with some top tips.
If there’s someone close to you that you already know, they may help you to feel more at home right away.
How Much Stuff Have You Got To Move?
It’s easy to forget how much stuff you have when you’re buying a house until you need to move it all!
You can get quotes from removal companies and find out prices from friends who have recently moved, but before you start getting information, make sure that you know exactly how much stuff you’ll be moving.
Sheer volume of ‘stuff’ is an important factor in the price of your removals. Plus, it’s often a lot cheaper when there’s less stuff to move!
Will You Need To Change Jobs?
Doing a job transfer is one of the most stressful things that a person does, and it’s made even worse if you’re moving house, too!
You need to be considerate of this fact, and make sure that you’re planning your move well in advance of when you want to start the job transfer.
If you’re having trouble finding a new job, or if you’ve already resigned from your current one, then it’s best to wait for a while before moving.