Moving house can take anything up to 6 months but understanding the process and what you need to do can make a big difference. Therefore, this guide aims to give you an insight into what you need to consider throughout the entire process.
Home Moving Process
If you have all of the relevant documents in place, then obtaining a mortgage principle in an agreement can prove to be a very quick process. Therefore, you will need to follow:
3 months worth of Payslips
3 months bank statements
Accountants statements from the past 2 to 3 years (if self-employed).
Tax return SA302 form (if you are self-employed)
Current utility bill as proof of address
While having a mortgages agreement in place might make you feel as though you are definitely eligible for that mortgage, that could change, so that is something to be aware of.
How long does the mortgage approval take? This will likely depend on the strength of your application and financial position, but all being well, your application should be approved in around 6 weeks.
How Long Does Selling Your Home Take?
If you choose to sell your home through an estate agent then you will need to pay a fee for doing so. This can range from anything between 1% and 4%. It can take time as it is reliant on the right buyer coming along but most homes take a few weeks. Your estate agent will advertise your property, arrange viewings and accompany potential buyers on viewings. There is no timestamp on how long a property takes to sell. It could sell within hours or it could take months.
Buy a New Property
This is the exciting step of the process and one that shouldn’t take too long. This will involve spending time searching for properties and viewing them. Once you have a number in mind, take your time to make sure you find the right place for you, and arrange plenty of house viewing to get a sense of what is available. The time to buy a house can take anywhere from a couple of weeks to months. The house buying process in the UK may be a lengthy one, once you have found a suitable property, you will then need to make an offer and have it accepted. At this point, you will then resubmit your mortgage in principle to have it fully agreed and accepted.
During this part of the process, your conveyancer will complete a legal search on your property. Furthermore, your conveyancer will also agree on a completion date with your seller.
Survey and Inspection
Before anything is agreed upon, a survey and inspection will be completed on the property. This will check the property, the deeds and the surrounding area to identify any possible risks such as flooding or subsidence. A surveyor will also check the property and provide a valuation that will be passed back to the mortgage company.
House Moving Timeline
Every move is unique and the time it takes will depend on your plans, your lifestyle and how many belongings you have. Therefore, this timeline could change but will give you an estimate of what to expect and how to plan.
4 Weeks Before Moving
At this point, you should think about packing rarely used items such as memorabilia and keepsakes. All spare items such as toiletries and linens can also be packed as well as tools and equipment that won’t need to be used before you move. Consider packing all out of season clothes and items such as Christmas decorations.
3 Weeks Before Moving
Now consider packing those items that you are no longer going to need before you move. This can include kitchen items that might only be used for special occasions as well as hobby items, soft furnishings from rooms you’ll no longer use as well as books, CDs and some electronic devices.
2 Weeks Before Moving
As you begin to move closer to your moving date, you should not consider boxing up more of your kitchenware, only keeping what you will use. Set time aside to pack fragile items as they can take time due to the amount of protection they require. Pack clothes that you won’t be wearing as well as jewellery and accessories while games and toys can be packed too.
1 Week Before Moving
It’s time to box up the remaining kitchen items except for the absolute essentials as well as all electronics that you no longer need. Consider other footwear and clothing that you won’t need and also consider packing bathroom items too. Only aim to leave those things that you use daily.
The only things that you will need to pack on moving day are the things that you required the day before and on the morning of your move. This will include your bed and bedding, toiletries and cleaning supplies and any food. If you haven’t done so already, then you can also pack up the final kitchen items.
Getting Ready for a Move? Hiring a Moving Company
Moving can prove to be a stressful experience, therefore, it makes sense to hire Bedford moving professionals such as Goldline Removals. We can take care of the entire move, leaving you free to focus on settling into your new home.
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