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Your Move Property Blog

Thoughts, Opinions & Analysis of the UK Property Market

Guide for First Time Movers

December 3, 2014 08:04 by Admin

Moving to a new house should be an art due to the sheer number of things to consider. This includes the monthly utility services, bulky furniture, vital personal belongings and items to use on the first night. Once you have transferred to your new home, there are also other things to do in order to make a smooth transition, adding to the load.

This guide should ease the strain and help you with what to consider before and after the move:

1 - 2 months before the move

·         Secure your records – Make sure you have your family’s medical, school and other important records are ready within this time.  

·         Sell or donate some of your furniture – Large furniture is often the culprit of a stressful move. They take too much time and energy for removal firm to transfer to your new home and doing it yourself can be dangerous. This can result in higher costs of moving fees. Instead, take this opportunity to let go of your furniture. Donate them to friends or relatives who might need them. You can also sell them and use the money to buy new furniture for your new home.

·         Tour the new neighbourhood – Find the time to tour you’re the neighbourhood of your new home with your family. Check out the shopping centres, your children’s school, your workplace in the area and other points of interest near your new home. The tour can help your family cope with the move as they may have a significant attachment to their old home.

·         Look for a good removal firm – Start your search for a good house removals company at least a month or two before the move. Looking for a removalist ensures you are able to book one with the better prices and the required qualifications in advance of the move date. 

2 – 3 weeks before the move

·         Limit your groceries – Your groceries should be enough for the last few weeks of your family’s stay in your old home. Limiting your supplies should help you reduce the amount of items to transfer to your new house.

·         Consume fuel and gas – Almost every removalist cannot transport combustible or flammable items. Make sure to use any fuel or gas you have during this time. You can also give them away to people who may need them.

·         Notify the post office - Make sure to notify your local post office of your new address by filling in a change-of-address form.

·         Cancel or transfer all your subscriptions – Make sure to stop any local subscriptions you have signed up to at this time. This usually includes newspapers, magazines or food delivery services. You can resume these service in your new home from other companies available in the area.

·         Transfer your utility services – Call all of your utility services to see if they are able to transfer them to your new address. These includes gas, electric and water utility services.

·         Return any borrowed items – If you borrowed anything from a rental store or library, be sure to return it at least a week before the move. You can also check with them if you have any movies or books you might have yet to return and have forgotten about.

·         Pack all unessential belongings – While there is a lot of time before the moving day, pack any belongings which you do not often use in a normal day. Good examples of this are decorative items such as vases, paintings or busts.

1 week before the move

·         Ready a “first night” box – It is recommended to have a box filled with essential items for the family’s first night in your new home. This usually includes toiletry supply, blankets, pillows, mugs, kitchenware and microwave. The box can help your family cope with their first night in the new house. You can also have each member to pack their own box filled with their preferred entertainment gadgets and comforting items.

·         Clean your old home – When all of your furniture is packed and ready for transport, you should be able to thoroughly clean your old home. This will give the new residents a good impression before moving out. 

·         Confirm everything with the removalist company – Check with your removal firm to ensure they come at the specified date of the move. It is also essential to have a copy of your receipt issued by them for taxes and future reference.

After the move

·         Clean your new home before unpacking – Before unpacking the furniture or assembling the bed, make sure to clean the dust and grime off of the rooms in your new house. Do this to your belongings as well to remove any dirt accumulated during the transfer.

·         Test and strengthen the security of your new home – Security should always be amongst your top priorities when moving to a new home. Check the locks on all of the entrances to your house. If any of them look rusted, old or damaged, replace them with new locks.

·         Meet with the neighbours – Other than common etiquette, meeting with your new neighbours can help build a bond. This can make your family feel secure in the neighbourhood.

Following the guide above can help the experience before, during and after the move less stressful. You can also use this printable task list to further assist you with your move. Remember, always choose a removal firm company based on their qualifications and not just on their cheap fees.

Guest post by Anna Francesca is an avid writer, who enthusiastically explores about consumer passions as a catalyst for lifestyle and enterprise opportunities. She is also a music geek, a fan of European languages, an ardent reader, and very gung-ho on all things new and interesting. She currently writes for All Purpose Removals.




Scotland House Price Index Infographic - September 2014

September 17, 2014 12:07 by Admin

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Why Move to Canterbury?

May 9, 2014 13:54 by Admin

Are you considering a move to the South East of England? If so, Canterbury is a great place to start looking. Oft considered the spiritual centre of the South East, Canterbury is ideally located for those wanting to explore further afield or those wanting to enjoy all that Canterbury has to offer. And what is that exactly? Read on to find out.

History

No “Why move to Canterbury” article would be complete without a little history lesson. After all, it effects just about everything in the city!

Romans built Canterbury in 1AD, introducing gridded streets, a theatre, public baths and city walls. The Roman’s significant role in the history of the oven also meant that they brought their advanced cooking techniques, leading to Canterbury’s prolific pottery trade.

Later, Canterbury Cathedral was founded (597) and much later, Archbishop Thomas Becket was murdered and consequently canonised there (1170), making Canterbury one of the most notable cities for Christian pilgrimage. This pilgrimage became legend in Chaucer’s 14th-century classic The Canterbury Tales, and the city’s literary heritage was firmly secured when Christopher Marlowe (Shakespeare’s biggest influence) was born there in the 16th century.

Today, much of this history can be observed throughout the city. There’s the Marlowe Theatre, for starters, and Canterbury's skyline is still dominated by the Cathedral. Then there’s the ancient ruins of St Augustine's Abbey, St Martin's Church and Canterbury Castle – serving as reminders of the religious significance of this part of the world.

The great thing about Canterbury is how all of this rich heritage sits side-by-side with the qualities of a modern cosmopolitan city. For example, a medieval witch ducking stool can be observed on the River Stour, just near ASK, whilst the local Waterstones is home to the ruins of Roman baths, which can be found in the basement. These kind of ancient curios are all over Canterbury, you just need to know where to look.

Location

In terms of location, Canterbury ticks a lot of boxes. Lying between the city and the towns of Faversham, Whitstable and Herne Bayis the ancient forest of Blean- one of the largest areas of woodland in England at over 11 square miles. It’s also home to a druid woodland sculpture park and a 13th century manor house.

If beaches are more to your liking, the upmarket seaside town of Whitstable is just down the road and actually sits in the City of Canterbury borough. Whitstable has a fascinating maritime heritage. It hosts an oyster festival every year and many of the local restaurants serve locally caught seafood. It’s great place to spend a sunny afternoon if you enjoy quirky craft shops and real fish and chips.Bear in mind that the beach is pebbly, so if you prefer sand simply follow the coastline to the award winning beaches of Broadstairs.

Aside from the landscape, and for those keen to maintain contact with the Big Smoke, you can get from Canterbury to the centre of London in less than an hour thanks to the new high-speed railway. Overall, an excellently located city with state of the art connections.

Shopping & Nightlife

If the history and location of this place aren’t enough to make you want to move here, the shopping and nightlife options will.

Picturesque cobbled streets are home to delis, artisanal bakeries, boutique shops and art galleries – great for those who prefer independent businesses. Discover hand-made crafts at Siesta and local beer at the Old Buttermarket, or head over to the Moat Tea Rooms for an old fashioned afternoon tea.

If all of that sounds a little too quaint for your tastes, the ultra-modern Whitefriars Quarteris probably more up your street. Featuring all of the usual high street stores, Whitefriars Quarter was built in 2004 to cater to Canterbury’s burgeoning need for shopping space. These days, it’s the largest shopping centre in East Kent and ideal for those who prefer Topshop to a charity shop.

In terms of nightlife, Canterbury is great if you enjoy culture and an atmospheric drinking hole. There are plenty of highly rated pubs and bars that regularly host gig nights, cabarets and poetry slams. However, whilst there are a number of clubs, Canterbury is quieter than one would expect of a city. This will suit some people down to the ground, but if you’re a party-hard type, you might find Canterbury a little sleepy.

Schools

The city and surrounding areas are home to four universities, eight secondary schools and thirty primary schools.

Due to the number of universities, Canterbury is often bustling with students, giving it a very lively and youthful atmosphere. You can checkout Oftsted reports on local schools but generally speaking, it is much like the rest of the UK in that most are highly regarded, with a few problem schools and a few exceptional ones.

Property

Since the high-speed railway opened in 2009, Canterbury and its surrounding villages have been attracting property buyers who want to commute to London. With its abundance of period property and all of the above, it’s a very popular destination for home buyers.

What’s more, prices are distinctly cheaper than the other cathedral cities of Oxford and Cambridge. If you aren’t fussed about a central location, it’s also worth checking out the villages of Bridge, Bishopsbourne, Barham, ElhamWingham, Littlebourne and Wickhambreaux.

 

Do you live in Canterbury or are you considering moving there? Share your stories of the city below. 




Dealing With Estate Agents – Buy to Let Part 3 of 5

February 10, 2014 09:20 by Admin

Buy to Let - Part 3 of 5 - Your Move

Part 3 of our series on buy to let.  Below are some top tips on how to deal with estate agents when you are searching for your Buy to Let property

  1. Always remember the estate agent’s client is the vendor and they act for them not you.
  2. Where I work, we have  upwards of forty buyers registering with us each week. Not all agents are brilliant at managing their buyers so you (the buyer) have to stand out.
  3. Be specific as to what type of property you are looking for - why, where and when do you want the property.  This detail will enable the estate agent to do a decent job of logging details. If you’re looking in a specific area they operate in and want to buy now you’re a decent buyer.
  4. Make sure you don’t wait for the estate agent to call and keep in regular contact with them. If you ring the agent and keep them on their toes, when a suitable property becomes available you’ll be top of the list for getting in to view it.

Getting an Offer Accepted

  1. The market is fast moving and when a property is reasonably priced, it will shift.
  2. The reality is that anything less than 95% of the asking price in popular areas where supply is very short is unlikely to be accepted and you may end up going over the asking price.
  3. If you’re up against other buyers ask for the opportunity to make a best and final offer so there is closure, and always make offers subject to survey.
  4. It will also do you no harm meeting with the agent’s recommended broker provided they are whole of market (broker can offer a choice of lenders, representative of all lenders out there, rather than a broker who only deals with a limited panel of lenders) as they are trained to give you an end to end service and not just a great mortgage rate.
  5. Also if a solicitor is provisionally lined up, that will only help your cause as you will need to crack on with instructing your solicitor and broker as soon as the offer is accepted and sales memorandum issued.
  6. A good solicitor will be one at the end of the phone, is proactive, specializes in property transactions and is on the lenders panel of accredited solicitors.

By Simon Murray, Financial Consultant Your Move Surbiton

Buy to Let Part 1 - The Basics

Buy to Let Part 2 - Sourcing the Property




Most Common Help to Buy Questions Answered

January 14, 2014 12:14 by Admin

With an increasing number of banks and building societies offering Help to Buy mortgages, Your Move Chris Stonock are seeing a rise in the number of queries about the scheme.  To help answer questions, our Financial Consultants tell us the most common questions they are asked.

Is there a catch with Help to Buy?  What else is involved?

Steve Lynn, Financial Consultant for branches in Houghton le Spring and Washington, said, “there are lots of terms and conditions attached to the Help to Buy mortgage schemes.  As well as requiring a minimum 5% deposit, the maximum purchase price is £600,000 and the scheme is not open to those looking for buy to let properties.  It’s a good idea to speak to a Financial Consultant about these Terms and Conditions to see if Help to Buy would be right for you.”

Who can apply for Help to Buy?  Will lending criteria be a bit more relaxed?

David Clark, Financial Consultant for branches in Chester le Street and Durham states, “you will have to pass financial affordability tests to make sure you can afford the repayments.  Unfortunately, if you do not meet the lenders mortgage criteria and Help to Buy terms and conditions, you will not be offered help.  You will also not be offered help if you are looking for a buy to let property.  However, the good news is you do not have to be under a certain income threshold to use the Help to Buy scheme.”

Can I sell the home I buy when I have a Help to Buy mortgage?

Michelle Fletcher, Financial Consultant for branches Low Fell and West Denton states, “the home you buy with the Help to Buy scheme will be in your name, which means you can sell it at any time. If you have taken a mortgage using the Help to Buy Equity Loan scheme, the equity loan must be repaid after 25 years (or earlier if the property is sold before then)”.

How many lenders are offering the scheme?

David Warnaby, Financial Consultant for branches Consett and Rowlands Gill, “At the end of 2013 the only high street banks offering Help to Buy mortgages were Halifax, Natwest and Royal Bank of Scotland.  However, since the start of 2014 more lenders have announced their deals with potentially more lenders still to announce”.

Our branches are holding open days throughout January and February to help you!

Chester le Street

Saturday 11th January

9am - 2pm

 

Consett

Saturday 25th January

9am - 1pm

 

Durham

Saturday 25th January

9am - 2pm

 

Houghton le Spring

Wednesday 15th January

9am - 5.30pm

 

Low Fell

Thursday 16th January

9am - 8pm

 

Rowlands Gill

Saturday 8th February

9am - 1pm

 

Washington

Thursday 9th January

9am - 5.30pm

 

West Denton

Thursday 30th January

9am - 8pm


For a FREE no obligation meeting* with one of our Financial Consultants, contact your local Your Move branch for more information!


01/14 ADH 178

 

 




YOUR MOVE Blog

YOUR MOVE is a multi-award winning estate and letting agent with branches across England and Scotland

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