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The Moving Guide

September 2nd 2016
By: Mary.Wilkins
The Moving Guide

If you’ve been thinking about moving, here are our handy tips to make sure you’re well prepared and ready to move…

If you’re organised and as prepared as possible then you can minimise any stress and make the process as painless as possible.

It’s an ideal time to have a clear out – whether you’re moving yourself or paying a removal company, only move with the things you really want.  Have a stall at a boot fair, ebay your unwanted things, or take them to the charity shop (or the local tip!).  If you’re able to sell a few things, the money will always be useful if you have any unexpected costs.

Before you head off to meet a financial advisor, get your finances straight first and look at our guide to help you prepare.

Lenders are now scrutinizing bank accounts and spending habits to make sure they are lending responsibly.  You can increase your chances of borrowing the amount you want by proving that you are responsible with your spending and have anticipated your future spending costs.

You will be asked about current loans and credit cards, regular payments like child maintenance or other responsibilities.  If you are able to pay off any loans or credit card balances then take the time to do so, it will all help in the long run.

Make a list of what you have spent on food, clothing, eating out, travel costs, utility bills and current rent/mortgage payments, holidays – everything.  The lender will look at the last three months bank statements, with some going back six months – you will need to be able to explain irregular payments and ideally keep within any arranged overdraft facility.  If you’re self-employed you will need to provide three years of accounts.

Speak to an independent financial advisor who will be able to give you the most up to date information and maximise the chances of you being offered the mortgage you need.

It’s advisable to prepare your property to appeal to the widest audience possible. It will mean doing all the little jobs like touching up paintwork, replacing missing light bulbs and any minor repairs.  Don’t forget outside too – first impressions really do count and it’s important that all prospective buyers will get to see the property at its best.  Spend some time weeding the garden and keeping it all tidy.

Once you’ve done all this and prepared your home it’s time to get a valuation, and Goodfellows are happy to help.

Call our office on 020 8102 0554 to arrange for a free valuation and talk about getting you moved.