If you’ve moved house before, you’ll know how expensive it can be. That’s why it’s important to save money where you can. Here are some tips for saving money when moving house, that you might not have thought of:
Speak to a Mortgage Broker
Finding the best mortgage deal using an online comparison site such as GoCompare or MoneySuperMarket might seem like the easiest thing to do. Wrong! Mortgage brokers are constantly in the game and know exactly what the best deal is for you. They’ll know what’s happening in the market, far better than you do.
Some mortgage brokers even get deals with banks that you won’t be able to get as a regular consumer. Speak to a mortgage broker for a no obligation advice session, and see what they can offer you. If your mortgage is successful, they’ll get a small fee on completion. This typically comes from you, but mainly through your mortgage provider.
Get a House Survey
Whether you’re getting a mortgage or not, get a house survey. Cash buyers sometimes feel this is a good way to reduce the most of the costing, but it can end up being an expensive mistake. A housing survey might reveal issues about the property; you didn’t know existed. This could impact whether the house is mortgaged or not, and subsequently affect the value of the building. If the house is mortgageable but the survey brings up a couple of issues, then you can use these points to haggle.
Preparing for Removals
Removal companies typically charge you on time, weight and distance. If you’ve got lots of junk that you’re going to throw out anyway, do it now. There is no point in wasting fuel and time, going back and forth for rubbish. Make sure everything is packed into boxes and label them for each room. If they are fragile, make this clear on the boxes, too.
Speaking of removal companies, get in there early. If you leave booking removalist until last minute, you can end up spending more than you anticipated. Some of the most competitive removals companies will book up weeks in advance. As soon as you know, your moving date gets your company booked up. Try avoiding weekends and bank holidays, is possible for the lowest rate. Moving on weekdays is also better for traffic is busy areas.
Deal with your Utilities
Cancel all your direct debit from your old property, and ensure you do this with plenty of time. It’s important that you do this from your end. Don’t rely on them to cancel this for you, even if you have requested it via writing, telephone or online. Remember, if you are delayed in letting them know, they may charge you a hefty penalty fee. Don’t forget to let your bank know you are moving house, and ensure mail forwarding is set up. When you first move into your new home, note down meter readings. Don’t rush! Shop around for the cheapest provider for gas, electricity and broadband.