New Mortgage Guides

Other Mortgage Guides

Mortgage Types

Mortgage Tools

Financial Services > Mortgages > Moving Home > Moving Home - Top Tips
Bookmark and Share

Moving home - top tips

Moving home can be daunting


Moving house is both exciting and daunting. But if you plan your move in advance, you'll cut back on the stress involved. 

We’ve divided moving times up into when you find a home and your offer is accepted, and then the weeks and days immediately preceding your move.  

Once your offer is accepted

  • As soon as your offer for a property is accepted - and, if you're selling, once you've accepted an offer - you need to get a solicitor to do your conveyancing.
  • You're then likely to have two to three months before you actually move in: The legal searches take a while, the money has to be forwarded by the mortgage lenders involved, and everyone in the chain has to be ready to complete on the same day.
  • Once you've exchanged contracts, then completion could take place within a couple of days and certainly within a couple of weeks.
  • Make an appointment with the estate agent responsible for the property you're buying.
  • You'll want to visit your soon-to-be new home to work out where you're going to put your possessions, so take a measuring tape and pen and paper so you can make floor plans.
  • Also double check what's being left by the vendors, such as curtains and appliances.

Three weeks before moving house

  • Start looking into removal options. Get quotes from several companies and don't necessarily pick the cheapest.
  • You'll pay more if you want the removal men to pack your stuff, but it's often worth it if you have a lot of possessions.
  • If you're doing your own removal, arrange a van hire and get packaging materials together.
  • You'll need to transfer your phone, broadband and utilities to your new home. If you're not moving around the corner, you might have to find the new supplier: The details supplied by the vendors should tell you who their suppliers are.
  • Remember that with water and sewerage, you have to go with the company or companies supplying the area your new home is in: There's no shopping around here.
  • Contact your council and tell them your moving date. And contact your new council too: You've got to pay them council tax.
  • If you have children who will be swapping schools, tell their current school they are moving and make sure their new school knows when to expect them.

Two weeks before moving house

  • Exchange of contracts should be about to happen: So you know you're finally moving!
  • Once contracts have been exchanged, if you back out you'll have to pay your vendor 10%: As a result, very few deals fail after exchange and indeed, only a few collapse on the days leading up to exchange.
  • As you've now got a moving date, tell your removal company.
  • Arrange mail re-direction, so your post will arrive at your new home.
  • However, do also try to tell companies before you go. Write a standard letter and just fill in the company details and any customer number you have.
  • You can then tell all your banks, TV licensing, HM Revenue & Customs, DVLA, credit card companies and others of your new home.
  • Many will demand you put this in writing, but some will accept an email detailing your new address.
  • Also register your change of address to enable you to vote.
  • You'll need to insure your new home and stop the insurance on your current home. Contact your insurer now - and look around for a good deal on cover for your new home.
  • Double check the final moving date. Remember completion days can slip a few days, but by the time exchange of contracts is imminent - which it should be by now - you should have a set date.

One week before moving house

  • Make final checks: Have you told everyone you should about the move?
  • Remind the removal company about the removal date. You will usually have to have paid them by now.
  • Check with your estate agents what will happen about collecting keys for your new home and handing over the keys on your old home.

The day before you move house

  • Defrost your fridge if you're taking it with you.
  • Pack a box of essential items for the move: Overnight clothes, toys for the children, identification documents and so on. Remember to put the kettle, mugs and pint of milk in there in the morning!

The day you move

  • Read your gas, electricity and water meters and phone readings into your suppliers.
  • Once your removal men have cleared the house, check nothing has been forgotten, then lock the house up and do whatever's been arranged with the key.
  • You now need to wait for your solicitor to tell you that your sale has gone through - and that the money for your purchase has been forwarded to your vendor's solicitor.
  • That's called completion and once that's happened, you can pick up the keys for your new home.
  • When you are in your new home, ring through meter readings to your new water, gas and electricity suppliers.

Receive Mortgage Advice from a Regulated Advisor

Mortgage advice

There is no better time to be seeking suitable mortgage advice from a Regulated mortgage advisor

Submit your details today for an obligation-free chat and a regulated mortgage advisor will call you back to help you find the mortgage that best fits your needs.

We will only provide your details to one regulated advisor.

Your mortgage

 * Help
 * Help
 * Help

About you


Questions marked with * are required

Please be aware that the advisor who contacts you will be a third party advisor who has no connection with us. There is no charge to you for using this service. We are paid by charging your assigned advisor a fee for this service. Any advice or assistance given to you by a third party advisor does not represent our advice or assistance and is not checked or endorsed by us. It is your decision whether or not you act on any advice or assistance you are given.

By clicking “Proceed” you confirm that:

  • You accept our Terms of use and
  • You would like to be contacted by a regulated third party advisor to discuss your needs.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Financial Services Net Limited and other trusted 3rd parties would like to keep you advised via e-mail or telephone of products, services and other exciting offers we think may interest you. Please untick this box if you do not consent to us contacting you for further information.

Bookmark and Share
Mortgage lenders

Browse mortgage lender offersMortgage Rates by Lender

  • Browse current mortgage offers from over 90 lenders.

Worried about mortgage repayments?Worried about Mortgage Repayments?

  • Join our petition to Government to bail out burdened individuals, not just banks.

Free mortgage quoteFree Mortgage Quote

Mortgages in Scotland Mortgages in Scotland

Equity releaseEquity Release

  • Unlock equity in your home.

Switching mortgagesSwitching Mortgages

Home reversion plansHome Reversion Plans

Commercial mortgages Commercial Mortgages

  • Commercial property loans
  • Starting a business?

Arrears & CCJs?

  • Remortgages
  • Sub prime mortgages
  • Arrears, CCJs
  • Self certification
  • Debt consolidation

Protect your mortgageProtect Your Mortgage

  • 3 months free mortgage protection cover

Mortgage Newsletter