House move checklist
Your go-to house move checklist
Moving house is an exciting milestone, but it can also feel overwhelming. With so much to think about, it’s easy to forget key things in the process – but a smooth move starts with proper planning, so it’s helpful to make a list of things to do when moving house.
We’ve put together this checklist for moving house, helping you take a top-down view of each step of the process, from financial considerations to the nitty-gritty of practicalities.
Are you prepared to move?
Before jumping into the packing and booking your removal van, it’s important to assess your financial situation. You’ll quickly realise that various stages of moving add up in expense, from legal fees to renovation costs, so it’s crucial to know what you’re working with financially before you make commitments.
If you find yourself coming up short when drawing up your moving home checklist, Evolution Money can help. We provide a range of secured loans that could help support your move financially. Offering anything from £5,000 to £100,000 for homeowners, a loan could be used for:
- Improvements: Whether you need to update your new home or want to make it more comfortable, our loans can help fund the work required.
- Debt consolidation: The fresh start of moving house provides a great opportunity to simplify your finances. Consider consolidating your debts into a single manageable repayment.
- Unexpected costs: Moving often brings expenses such as pricey last-minute repair work. A secured loan gives you the flexibility to cover those unexpected costs without stress.
Your moving-out checklist
Once you’ve assessed the finances and everything looks as though it’s in good working order, it’s time to get down to the logistics. Here’s your essential checklist for moving into a new house that will mean everything is covered and runs as smoothly as possible.
On your marks, get set…
- Organising, decluttering and more: Start by looking through your belongings to see what won’t be making the move with you. Recycle, donate, or sell items to lighten your load and then you can start packing things away for moving day.
- Contacting organisations: Got your moving date agreed? Kick things off by booking the removal company to help the move run seamlessly. With this sorted, it’s the likes of redirecting your mail, informing utility providers and insurance companies that you will be vacating the property that come next.
- Preparing for the move: When one door closes, another one opens – quite literally, in this case! Research the new area to find TV and broadband providers available in your new area, as well as find healthcare providers that you may need to register with. You’ll need to let your employer know of any change of address, too.
How to manage debt effectively
Creating a structured repayment plan will stop your debts from feeling unmanageable. Start by working out how much you can realistically afford to repay each month. If your current income barely covers your essential outgoings, you may need to adjust your budget before setting firm repayment goals.
When deciding how to clear debts, consider two well-established approaches. The snowball method involves paying off the smallest balance first while maintaining minimum payments on everything else. Each cleared debt frees up more money for the next, creating a momentum that keeps you motivated. The avalanche method focuses on the most expensive debts first, tackling those with the highest interest rates to reduce long-term costs.
Whichever strategy you choose, consistency is key. Late or missed payments can lead to additional charges and damage your credit rating – making borrowing more expensive in the future. If you ever struggle to meet a payment, contact your lender as soon as possible. Many will offer temporary solutions, such as adjusted repayment plans, to help you stay on track.
Go-time!
The big day is finally here, and things will move fast! Here is the final list of things to do when moving house to ensure everything runs as smoothly as possible.
- In your old home: Make a note of the final meter readings and send these to your providers as soon as possible. Also, while not an essential task on your moving-out checklist, you could leave some helpful notes for the next inhabitants before you move out. Writing down the location of the meters, fuse box, boiler and so on could end up being a bit of a lifesaver for whoever comes next.
- In your new home: Locate the gas and electricity meters as soon as you arrive so that you’re only paying for the energy you use. You’ll also want to check the rubbish collection days so you don’t forget to put the bin out on time – this information will be on your local council’s website. Some people add changing the locks to their new house checklist to give them extra peace of mind, but it’s up to you whether that’s necessary on day one.
With your moving house checklist complete, you’re all set for a smooth and stress-free transition into your new home. Best of luck!
Adding a loan to your checklist for moving house
The costs of moving don’t stop at the sale price or your estate agency fees – they can quickly pile up with the additional expenses that come with moving. You may also need some quick home improvements to make the space feel more like home.
Evolution Money’s secured loans could help to fund these expenses. With loan amounts ranging from £5,000 to £100,000 and repayment terms of 3 to 20 years, our loans offer flexibility to fit your budget. We focus on you and your current situation, rather than just your credit history, so past problems and experiences won’t stand in the way of your future.
Check your eligibility with Evolution Money
If you’re looking to smooth over any financial bumps after your house move, Evolution Money could be the answer. We offer secured loans that could cover the cost of renovations, or even help you consolidate your debts. Checking your eligibility is quick and easy, and we’re here to guide you through every step of the process.
For more tips on managing your finances, including how to tackle the financial aspects of your move, visit our help and advice hub for expert guidance and insights.
Representative 28.96% APRC (Variable)
For a typical loan of £26,600 over 180 months with a variable interest rate of 19.56% per annum, your monthly repayments would be £484.00. This includes a Product Fee of £2,660.00 (10% of the loan amount) and a Lending Fee* of £763.00, bringing the total repayable amount to £87,030.00. Annual Interest Rates range between 11.7% to 46.5% (variable). Maximum 50.00% APRC. *Lending Fee varies by country: England & Wales £763, Scotland £1,051, Northern Ireland: £1,736.
Think carefully before securing debts against your home may be repossessed if you do not keep up repayments on your mortgage or any other loan secured against it. If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
