October 2016 - Can I Move Into a Brand New Home Before Christmas?...
A question we get asked a lot at this time of year is can you move into your brand new home in time to be in for the big day?
This Christmas will you be giving the kids a bigger chimney for Santa to climb down? Will you now have enough room for both sets of in-laws to stay over? To do this in a few weeks is not going to be easy.
You’ve got to find a new place to live, arrange the necessary finance, appoint a solicitor and arrange to move in - can it be done?
For those who want to move into a new home its still a possibility but you will need to be organised. And here is some bad news, if you are an existing homeowner there probably isn’t enough time to get your own property on the market and sold. So we are concentrating here on people who have already sold their property, are renting or living at home at the moment.
So what’s next. Well obviously you need to find your new home. We spoke to Peter Ward Homes who are promoting plots at their three sites across East Yorkshire and North Lincolnshire. They, like many other housebuilders, have homes waiting for those people wanting to move in before Christmas and enjoy the festive season in their new home.
“We have a lot of experience in getting people moved quickly” said Kara Hoggard the company’s Sales Administrator“ For example we have twelve plots for sale across all our sites that are all available to move into during December. That gives time for the legal completion and the moving in to take place.
At our Crown Park site in Skirlaugh for example, there are plots that will be ready by December to move into”
So, once you have decided that a new home for Christmas is what you want, what do you need to do? Like everything in life these days there is a Five Point Plan that will help make this as stress free as possible:
Finding your new home.
Because you have to move quickly to ensure you are in before Xmas you need to use the internet to start your search. Once you have an area or place you prefer do your research using various search terms eg “new homes in….”. Then set aside time to go and visit each development. Once you have made your decision get in touch with the lucky sales rep and reiterate your time frame for moving.
Organise the purchase of your new home.
Check you have enough money to move into the new property. Establish all the costs including the price of your new home, the deposit required (reduced if you use Help to Buy), all fees for conveyancing and moving, not forgetting stamp duty. And don’t forget any furniture, soft furnishings, TV/audio equipment etc you will need to Check you have enough money to move into the new property. Establish all the costs including the price of your new home, the deposit required (reduced if you use Help to Buy), all fees for conveyancing and moving, not forgetting stamp duty. And don’t forget any furniture, soft furnishings, TV/audio equipment etc you will need to buy.
Choose someone you know or who are recommended for the conveyancing.
Ask friends if they would recommend the conveyancers they used? Explain that you have a deadline and if they can’t meet it they need to be honest and say so. And once you have chosen don’t be a pest but do cajole. And ask for milestone dates when things should be sorted by.
Secure your mortgage as early as possible.You need to meet with your bank, building society or independent broker to see how much you can borrow and discuss the type of mortgage that is best for you. For that first meeting take along your past three months’ pay slips and at least two annual P60’s. Provide details of any life assurance and if necessary pension arrangements. Print off bank statements and if you have them take a utility and council tax bill. And proof of identity is a good idea, a passport is best. All this will help speed up the process.
The actual Move.
If you are lucky and this is your first home then you might not have a lot to move in so you can use your car or a hire van. Don’t forget to plan what you need for your first few days.You also want to start looking at beds, furniture, TV’s etc and have them delivered a few days after your move in date.
If you aren’t so lucky and you have been renting and acquired “stuff” start to look at removal companies and save money by shopping around. If you move close to Christmas, bear in mind that removal firms get booked up and prices could rise. Start to pack things away as soon as you can. Start thinking about time off work and save at least two days for the move. Moving mid-week is normally cheaper and gives you two extra weekend days.
So now you are all primed up what other advice is there for you? A great website to visit is reallymoving.com, a price comparison site with loads of advice and also lists suppliers of services including solicitors, surveyors and removals. The Home Owners Alliance website (hoa.org.uk) is packed full of useful information.