I've just bought a house!

sfell

I've just bought a house! Hello all, am just about to purchase my first property for £114,500. Just asking what else I need to do-
1) Morgage sorted -well nearly!
2) solicitors sorted
3) do I need a survey- house is only 5 yrs old? If so does it need to be a full survey?
4) No need for removal men- got 3 x big bros but do need van!
5) What else am I missing?

Many thanks
Any other advice about buying a house, property, solicitors etc would be GREATLY recieved.
Cheers :beer:

We_Laugh_Indoors

i thik it is always worth getting a survey.

just because the house in new-ish does not mean there are no problems with it.

it's worth it for piece of mind i feel.

calleyw

Well done. Just moved in to a new place 3 weeks ago.

about number 3) most if not all mortgage companies will want a survey even if it is the most basic for a few hundred pounds.

One thing I found was to keep on at the solictor. Ring them everyweek. As ours was not that good. And it was hard work to get where we are today. In the house.

Are you moving out of home or are you moving from rented. Don't forget that you will need to give notice.

Also if you are moving from home do you have basic things like saucepans etc. Sounds like a silly question but it is not.

Make sure you have a box on moving day with the kettle and tea bags, coffee, cups,spoons,sugar and some longlife milk and even some choccie biscuits for your helpers. And know where you local takeaway is. As I sure that your helpers would appericate being fed.

All the best but expect to wait a couple of months depending on how fast the rest of the chain is moving.

And best of all wait for the phone call that tells you the keys are ready for collection :T :beer:

As I did not believe it until we did.

Also keep your mobile phoned charged for the move day and the few days afters as you will not have a phone connected yet.



Yours

Calley

dougk_2

Do plenty of research about the local area and don't forget to sort out the insurances!

You will need building insuarnce from exchange date.

Also now is a good time to review service suppliers (gas,electric,telephone etc) and find the best prices etc.

Good luck!

kingshir

Try and do a gas and electric meter reading as soon as you move in and let your suppliers know asap and then you are not paying for the previous owners consumption -I got caught with that one on my first house purchase:(

Good luck and much happiness in your new home.

calleyw

I let the electic and gas company know we where moving. Anyway lost the bit of paper that the old readings where on.

Got to the estate agent to get her new readings.

Anyway British Gas told us that once she gave her new reading our account was shut down.

Not sure why more companies can't be like that.

Also you might like to check out what your council tax is going to be like as well.

Yours

Calley

rchddap1

If you can handle it, and if you can find a cheap van it would be cheaper to do the actual move yourself. However, speaking from experience it can be a right pain in the proverbials. When you box everything up label things with the room that you want them to go in and what is in the box.

Also keep a special box to one side with snacks, a kettle, milk, sugar......and tea / coffee, as you'll need it.

Munki_2

sfell wrote:

5) What else am I missing?

Our house warming invite! ;-)

Home and contents insurance is important. Get that arranged quick.

Have you looked into having a will made up, now you are about to own your own house, you might want to put down in black and white who your assets are going to.

Remember as soon as you move in to have your car insurance updated - there may be additional charges, or reductions (unlikely..) for change of postcode & parking arrangements.

Also remember to let DVLA know that you've moved. You will need to get a new driving licence made up.

Oh, and if you have a passport... that'll need updating too.

Most of the above should be done when you've moved in, just in case the sale falls through for any reasons (heaven forbid... touch wood)

Keep on the solicitors/estate agents back to make sure everything is being done to get things going as quickly as possible.

Congrats and enjoy your new home!

P.S. If you have a slightly flexible mortgage, and you have any spare cash each month, it might be worth considering overpaying on your mortgage (up to the allowed amount that the lender will be able to tell you about). You'll be amazed how much you can take off your mortgage in interest over the years if you pay more into it!

Good luck,

Munki.