Lifecycle Issue 1 Home Movers

THE HOUSE MOVE ISSUE

ISSUE ONE

Key Questions

to ask your Mortgage Broker THE BEST TIME TO MOVE HOUSE

Navigating the Home-Buying Journey A C O M PA S S I O N AT E G U I D E

Coping with the Stress of Moving See inside for

HOW TO PREPARE FOR MOVING DAY

+ MUCH MORE INSIDE

ISSUE ONE

Contents THE HOUSE MOVE ISSUE

5

Foreword

6

How to Successfully Sell Your Home

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The Best Time to Move House

11 12 16 18 22 24 26 4

Moving for Schools – A Smooth Transition for Your Family How to Prepare for Moving Day – Your 6 Week Planner Key Questions to Ask Your Mortgage Broker Navigating the Home Buying Journey – Expert Tips for a Seamless Experience Coping with the Emotional Stress of Moving – A Compassionate Guide

Credits: Editor: David M Bradford Sales: David Ward-Penny

Top Money-Saving Tips for your Move Top Questions to Ask the Seller When Viewing a Property LifeCycle | T HE HO U SE MOVE ISSU E

Production: Owen Purkis Designed by CitiCreative LifeCycle is a Citipost Mail Publication Copyright Citipost Mail 2023, All Rights Reserved.

A very warm welcome to the very first edition of LifeCycle magazine.

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his issue is packed full of useful information and advice to help you through the build up to moving house. Moving to a new home is a lengthy, stressful, and complicated process, so we have assembled a number of articles giving information that we hope will be useful to you during this time.

Whether you are looking to move to a property down the street or relocate to a completely new area, the tips and advice you will find printed on the following pages should prove helpful. We hope so.

Our LifeCycle series of magazines aim to provide helpful guidance, advice, and offers to people considering a major life stage change at the appropriate time. Do check out some of our special offers from companies we have a great relationship with and who can help make the process of moving house that little bit easier.

Enjoy the magazine and may we wish you all the best with your move or search.

Happy reading!

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How to Successfully SELL YOUR HOME Finding your dream property is exhilarating, but don’t overlook the importance of selling your current home. To ensure you get a good price and cover the costs of your new home, follow these key steps:

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Highlight Your Home’s Best Features

Take a moment to recall the questions you asked when buying a property. If your current home boasts attractive features that align with these questions, make sure to emphasise them in your advertisements or inform your estate agent. They can effectively communicate these advantages to potential buyers.

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2

Get Professional Valuations

To price your property reasonably, obtain valuations and consult your estate agent about the local market.

Compare your property’s value to similar homes in the area. For the most accurate estimate, consider obtaining valuations from at least three different estate agencies and calculate the average. This approach reduces the reliance on a single opinion.

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Advertise Strategically

You have the option to advertise your property independently or through your estate agent. While there’s no legal requirement to use their advertising services, if your agent has a strong track record, it’s a wise choice.

Keep in mind that estate agents typically charge around 1.5% of the final sale price for their advertising services.

Online property advertising platforms are gaining popularity among sellers. However, be aware that you may need to arrange viewings and pay upfront fees, regardless of whether the sale occurs through the website or not.

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Present Your Home in Its Best Light

To expedite the sale at an optimal price, ensure your property looks its best when potential buyers visit.

Follow these tips: • Declutter: Create an impression of spaciousness in every room.

• Deep Clean: Address minor details like burnt-out light bulbs, disheveled shelves, and loose curtains.

• Garden Maintenance: Mow the lawn, weed flowerbeds, and maintain the garden, as it’s an essential part of the buyer’s first impression.

• Complete Unfinished Projects: Fix any lingering DIY tasks, such as broken tiles, chipped plaster, or scuffed paint.

• Finishing Touches: Add small, welcoming details like flowers, matching towels in the bathroom, and neatly arranged cushions to give buyers a vision of their future home.

• Tackle Big Projects: Address significant renovation projects, such as repainting, replacing windows, regrouting tiles, treating wooden floors, and more.

By following these steps, you’ll increase the likelihood of selling your home swiftly and at a competitive price. Selling your current property effectively is not just a financial necessity but an opportunity to leave a positive impression on potential buyers. Remember, a well-presented home often attracts the best offers and facilitates a smoother transition to your new dream property.

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THE BEST TIME TO

Move House

Moving house is a significant decision, and the timing can greatly influence the process. Here’s a brief guide to help you determine the best time to move based on various scenarios:

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Summer Bliss (June to August):

• Ideal for Families: Summer break allows families to relocate without interrupting the school year.

Spring Freshness (March to May):

• Sellers’ Advantage: The housing market tends to be active, giving you more options.

• Good Weather: Sunny days make for easier moving conditions.

• Pleasant Weather: Mild temperatures and blooming gardens create a picturesque setting.

• Busy Market: Increased demand can lead to higher property prices.

• Competition: Increased buyer competition can lead to competitive bidding.

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4

Autumn Transition (September to November):

• Slower Pace: The market cools down, potentially leading to more favourable prices for buyers.

• Stable Weather: Mild conditions facilitate a smooth move.

• Limited Inventory: Fewer options may be available as sellers reduce listings.

Winter Cosiness (December to February):

• Budget-Friendly: Sellers may be more flexible on prices.

• Less Competition: Reduced demand can lead to a smoother buying process.

• Challenging Weather: Adverse weather conditions may not show properties in the best light.

LifeCycle | FAC TO R S TO CONSID ER • Schools: Families should time moves to coincide with school breaks to minimise disruption.

•M arket Dynamics: Research local estate agent trends and consider your buying or selling position.

•P ersonal Schedule: Align your move with work or personal commitments.

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• Budget: Timing can affect property prices and moving costs.

In the end, the best time to move house varies depending on your unique circumstances and priorities. Weigh the pros and cons of each season, consider your individual needs, and plan accordingly for a successful relocation.

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Moving For Schools A SMOOTH TRANSITION FOR YOUR FAMILY Relocating with your family, especially when it involves changing schools, is a significant life event. While it comes with its challenges, it’s also the start of an exciting new chapter. To make this transition as smooth and successful as possible, consider the following key factors:

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Securing a Place at Your Preferred School

If you’re planning a school change for your child, start early to secure a place at your preferred school: • Seek recommendations from other parents, teachers, and local estate agents who may have insights on local schools.

• Research schools online, considering league tables, Ofsted ratings, and inspection reports to identify the best options.

• Contact shortlisted schools to confirm place availability and catchment area restrictions, and visit them with your child to address any questions.

• Be aware of application deadlines, which vary between regions but generally fall around January for primary schools and October/November for secondary schools.

• Popular schools often have waiting lists, so apply early.

In some cases, you can make in-year applications, but it might not guarantee placement in your preferred school.

• Consider catchment areas and plan ahead, even if your child’s school change is a few years away.

Remember to factor in transportation when planning for the new school. Research commuting routes and times, whether your children will be driven, cycling, using public transport, or walking.

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Preparing and Supporting Your Children

Moving to a new home and changing schools can be challenging for children. Offer them support and comfort: • Involve your children in the move by allowing them to pack their belongings and personalise their new bedroom.

• Encourage questions and maintain open communication about the move and what to expect.

• Explore your new neighbourhood online, use tools like Google Earth, and plan visits to local attractions.

• Facilitate ways for your children to stay connected with old friends through playdates and digital means.

With the right preparation and support, your children can adapt and thrive in their new school and community, forging new friendships and interests.

By following these steps and giving yourself ample time to navigate the selling and buying process, you can ensure a smooth transition for your family without disrupting your child’s education.

Planning and early action are the keys to success when changing schools and moving to a new home.

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How to

PREPARE FOR MOVING DAY Your 6 week planner

Britannia Movers carry out over 26,000 removals each year, so they know the moving process inside out. They’ve given us their top tips to create this handy 6 week planner, ideal if you’re on a countdown to your own moving day.

5-6 weeks before you move • Declutter! Donate and recycle whatever you can. This will reduce the price of your removal.

• Start thinking about room layouts and order furniture for your new home.

• Book a free removals survey to get a detailed quote. It’s best to do this either in person or via video call – online forms can only produce guideline prices. A good moving company will itemise options such as packing services and furniture dismantling / reassembly.

• If you want to do your own packing, start gathering boxes, tape and bubble wrap. No need to ask supermarkets though – you can purchase professional standard packing materials at all 43 Britannia branches.

3-4 weeks before you move • If needed, organise childcare and petcare for moving day.

• Book your removal company as early as possible when you have a confirmed moving date.

Reputable companies get booked up early, especially around school holidays and at the end of each month. Let your conveyancer know that you would like at least 2 weeks between exchange and completion to avoid stress.

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• Get insurance quotes for your new home.

• Start running down your fridge, freezer and food cupboards.

• If you are packing yourself, start early and do it gradually.

• Plan the parking for your removals vehicle/s on the big day – this may mean speaking to neighbours or obtaining a parking suspension from the council.

2 weeks before you move • Notify essential service providers of the move.

• Book a mail redirect service.

• Retrieve spare keys from family and friends.

• If you have special items that won’t fit into your new home, talk to your removal company about storage options.

• Gather together important documents, valuables, and other essentials into one place and mark ‘do not remove’ so you can transport these yourself.

• If you have time, write an information sheet for the new occupants.

• Deinstall white goods ready for the move.

Moving day!

• Plan who will uninstall and reinstall your white goods.

• Be present throughout the day to instruct the movers.

1 week before you move

• Take final meter readings and send them to suppliers.

• Defrost the fridge and freezer.

• Finish packing, and start a thorough clean of your property.

• Plan a moving day survival kit with items like clean bedding, washing up equipment, phone chargers and special toys.

1 day before you move • Confirm pet and childcare arrangements.

• Do a final clean, and empty bins.

• Walk through the empty property to check nothing is left behind.

• Collect your keys and arrive at your new home!

• Unpack your moving day survival kit, make the beds and put the kettle on!

• When the removals crew have finished, check all items before signing their paperwork.

LifeCycle | ASK TH E EX PERTS Britannia have branches across the UK, so if you would like to ask the experts for a free, no obligation moving quote, you can get in touch with them on 0845 600 6661 / sales@britannia-movers.co.uk / www.britannia-movers.co.uk 13

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Key Questions TO ASK YOUR MORTGAGE BROKER 1. What Types of Mortgages Do You Offer?

Choosing a mortgage is one of the most significant financial decisions you’ll make in your life. Navigating the mortgage market can be overwhelming, which is why many individuals in the UK turn to mortgage brokers for guidance. When you consult a mortgage broker, it’s essential to ask the right questions to ensure you make an informed decision. Here are key questions to ask your mortgage broker in the UK.

Understanding the range of mortgage products the broker offers is essential. Brokers typically have access to various lenders and mortgage deals, so inquire about fixed-rate mortgages, tracker mortgages, variable rate mortgages, and more. This will help you determine the best fit for your financial situation.

2. What’s the Best Mortgage for Me? Your mortgage broker should assess your individual financial circumstances and recommend the most suitable mortgage for your needs. They should explain the rationale behind their recommendation, including interest rates, terms, and repayment options.

3. What’s the Total Cost of the Mortgage?

Inquire about the total cost of the mortgage over its term, including interest, fees, and any potential penalties. This will give you a clear picture of the long-term financial commitment.

4. What Deposit Do I Need?

Ask your broker about the minimum deposit required for the mortgage products they suggest. A larger deposit often leads to better interest rates and more mortgage options.

5. What Are the Monthly Payments?

Understanding your monthly mortgage payments is crucial for budgeting. Your broker should provide you with a breakdown of these payments based on different mortgage options.

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6. Are There Any Additional Fees?

Ask about any additional fees associated with the mortgage, such as arrangement fees, valuation fees, or early repayment charges.

These costs can significantly impact the overall affordability of the mortgage.

7. Can I Overpay or Repay the Mortgage Early?

Knowing if you can make overpayments or repay your mortgage early without incurring penalties is vital. Flexibility can be an important feature for some borrowers.

11. How Long Will the Mortgage Application Take?

Ask about the estimated timeframe for the mortgage application process.

Knowing when you can expect a decision is important, especially if you have a specific property in mind.

12. What Happens if I’m Rejected?

It’s essential to understand what steps you can take if your mortgage application is rejected. A good broker will help you explore alternative options.

8. What’s the Interest Rate and How Is It Calculated?

Ask about the interest rate for the recommended mortgage and how it is calculated. Whether it’s a fixed, variable, or tracker rate, understanding how your interest rate will change over time is crucial.

9. What’s the Length of the Mortgage Term?

Discuss the length of the mortgage term.

Some people prefer shorter terms for quicker repayment, while others opt for longer terms to reduce monthly payments.

10. What’s the Lender’s Criteria?

Your broker should clarify the lender’s eligibility criteria. Understanding what lenders are looking for in a borrower can help you prepare and increase your chances of approval.

LifeCycle | TOP TIPS Asking these questions will help you make a well-informed decision when choosing a mortgage in the UK. Your mortgage broker should be a valuable resource in your home-buying journey, providing guidance and expertise every step of the way.

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Navigating the Home Buying Journey: EXPERT TIPS FOR A SEAMLESS EXPERIENCE Whether you’re a first-time buyer or an experienced mover, there are numerous factors to consider when making such a significant purchase. In this article, we offer invaluable tips to help make the home-buying process as smooth and enjoyable as possible.

1

Prioritise Your Finances

Before you dive into property listings, it’s crucial to organise your finances. If you’re not a cash buyer, securing a mortgage is likely, so consult a “whole of market” financial adviser to determine your mortgage affordability and guide you through the application process.

Additionally, ensure you have savings set aside for a deposit, typically ranging from 5% to 10% of the property’s purchase price.

Obtaining a mortgage Agreement In Principle (AIP) also demonstrates your commitment and readiness to sellers and agents.

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Get Your Current Home on the Market

If you’re selling your existing home, listing it for sale before you begin your property search is essential. This proactive approach prevents you from missing out on your dream home to a buyer who is already prepared to make an offer. Getting your current home on the market provides clarity on your budget and helps you avoid any disappointments.

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3

Define Your Needs and Wants

After establishing your budget, it’s time to start your property search. Create a list of must-haves and nice-to-haves, and leverage online sites to find listings that align with your criteria. Sharing your preferences with your estate agent can further refine your search and guide you towards the right choices.

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Streamline Your List

As you begin your search, you’ll likely compile a long list of potential properties. To make the process more manageable, prioritise those that meet your specific criteria and plan to visit them in person. Keeping track of your favourites and taking notes during viewings will help you make an informed decision.

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5

Location Matters

The adage “location, location, location” holds true. Your home’s location is paramount, as it’s something you can’t change. Consider proximity to your workplace, ease of access, parking, noise levels, and access to amenities like parks, shopping, schools, and public transport. Research the area’s crime rate, property values, and growth potential as well.

Taking these factors into account will ensure you find the ideal location for your new home..

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Explore the Neighbourhood

While finding a new home is important, it’s equally crucial to assess the surrounding area. Spend time exploring the area at different times of the day and week to gauge the atmosphere andensure it meets your expectations. Evaluate consistency in home sizes and conditions, as well as the upkeep of public spaces and gardens. Safety, especially if you enjoy outdoor activities, is a vital consideration. For families or pet owners, a neighbourhood friendly to their needs is essential.

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Consider Size and Floor Plan

When searching for a home, it’s essential to bear in mind the size and floor plan that suits your needs. Avoid being swayed by a larger size or unique features that you won’t utilise. Determine the ideal size and layout that aligns with your lifestyle, both now and in the future, to ensure you find your dream home.

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Bedrooms & Bathrooms

It’s crucial to determine the number of bedrooms and bathrooms you need before you begin your search. Consider potential lifestyle changes, such as family expansion or hosting guests, to ensure the home you choose meets your requirements.

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9

Assess the Kitchen

The kitchen is the heart of the home, so it’s essential to ensure it meets your needs.

Keep in mind that kitchen renovations can be costly and time-consuming. If you’re working within a budget, consider a home with a kitchen that aligns with your requirements without the need for significant changes.

Small upgrades like new appliances can help you create your ideal kitchen without the expense and hassle of a full remodel.

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Don’t Hesitate to Negotiate

When you find your dream home, remember that negotiation is a part of the process. Collaborate with your estate agent to establish a fair offer, considering factors like the property’s condition, location, and market value.

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Arrange a Home Inspection

Before finalising your purchase, it’s essential to arrange a professional home inspection. This inspection will identify any potential issues with the property, potentially saving you from expensive repairs down the road.

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Engage a Reputable Conveyancer

A skilled conveyancer is a crucial asset in ensuring a smooth and stress-free transaction. Opt for a reputable professional with expertise in property law and a proven track record of working with buyers.

By following these tips, you’ll be well-equipped to embark on your journey to finding your dream home. Remember, the process may take time, so exercise patience and you’ll soon discover the perfect property to call your home.

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COPING WITH THE EMOTIONAL STRESS OF MOVING:

A Compassionate Guide Moving to a new place can be both exciting and daunting. It’s a transition that often comes with emotional stress. Whether you’re relocating alone or with your family, it’s important to approach the process with the right mindset and strategies to make it as smooth as possible. Here are some tips to help you handle the emotional aspects of moving: 1. Embrace the Change: Moving is a significant life event, and it’s crucial to approach it with a positive attitude.

Remind yourself that change can be an opportunity for personal growth.

Embrace the chance to meet new people, try new foods, and explore new places. Having this mindset can reduce stress and help you settle in more quickly.

Remember, your old relationships don’t have to end because you’re moving. Technology allows you to stay connected with old friends, colleagues, and neighbours through emails, texts, chats, and video calls.

2. Research Your New Home: Take some time to get to know your new location. If you’re moving to a different country or city, research local shops, pharmacies, hospitals, schools, and your workplace. This knowledge will make you more comfortable and confident about the move, inspiring you to embrace this change rather than stress over it.

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3. Plan and Prepare: Planning is a crucial aspect of reducing stress during a move. Create a checklist with specific goals and break them down into manageable tasks. This includes packing, decluttering, making financial arrangements, and setting a timeline for your move. Be realistic about what you can control and what you can’t, and allow for flexibility in your plans.

4. Declutter Your Life: Moving is an opportunity to declutter your life.

Take the time to sort through your belongings, keeping only what truly matters. New memories await in your new home, and you’ll need space for them. Let go of unnecessary items that can burden your move and clutter your new space.

5. Seek Help and Say Goodbye: Don’t hesitate to ask for help from friends, family, or professional movers. Bond with those close to you before you leave, making the move a shared experience. Offer

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appreciation through meals or drinks to show your gratitude for their assistance.

Saying goodbye is a part of moving, but it’s not farewell forever.

The memories and friendships built will always hold a special place in your heart.

Moving with Family Moving as a family, especially with children, can be more challenging.

Children may struggle with goodbyes and leaving their comfort zones. Parents play a crucial role in supporting their children through this transition.

• Be honest with your children about the move and reassure them about the reasons behind it.

• Involve your kids in the planning and give them choices in the new home.

• Let them have a farewell party to say goodbye to friends and familiar faces.

LifeCycle | TOP TIP Remember, moving is a journey of change and new beginnings. It may require adjustments, adapting to new environments, cultures, and in some cases languages. Seeking professional help to cope with the emotional stress can be beneficial during this transformative time. You don’t have to navigate this path alone; support and a positive outlook can turn the move into an opportunity for growth and new experiences.

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Advertorial

TOP MONEY-SAVING TIPS

for your Move

There’s no denying that moving home is an expensive time. Whether you’ve got removal and storage costs to cover, or you need to splash out on new appliances and furniture, it’s not always easy to keep costs down.

But there are some clever ways you can avoid breaking the bank. Follow our money-saving tips below and see how much you can save.

BEFORE MOVING DAY: • Be smart about when you move Fridays and weekends are often the busiest times for removal firms, so you might get a better price if you move earlier in the week.

• Sell or donate any unwanted items Not only could you reduce your removal costs as you’ll have less to move, you’ll also make some extra cash to spend on your new home.

• Clean your property yourself Instead of hiring professional cleaners to get your home ready for its new occupants, why not pop on your rubber gloves and do the job yourself?

• Cancel subscriptions to local services This could be a gym membership or cinema pass. If you’re moving out of the area, you don’t want to be paying for them longer than you need to.

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• Eat up Save on groceries before the big day and avoid costly takeaways by running down your food supplies. Not only could you save money, you might also find some creative new recipes in the process!

AFTER THE MOVE: • Shop around for the best utility deals You don’t have to stay with the previous occupant’s providers. Look out for new customer deals and shop around for the best offers.

Save over £150 with the Home Move Club app Download the free Home Move Club app today and make some great savings on items for your new home.

Whether you need a new fridge, furniture, home accessories or broadband, when you download the Home Move Club app, you’ll have access to exclusive offers from some of the UK’s leading retailers and service providers.

And once you’ve got the app, we’ll let you know whenever there’s a great new offer, so you can continue to save in the weeks and months after you move.

• Search local selling sites If you want to save on new items for your home, try browsing Ebay or your local Facebook selling sites.

• Sell on local selling sites Once you’ve moved in, it’s likely they’ll be some furniture or accessories that just don’t suit your new home. Before you head to the tip, try selling them online and invest the cash in new items.

Download the free app here.

• Do the DIY If your new home needs a refresh, don’t call the decorators straight away. Have a go at some of the simpler jobs yourself, and then call for help when you’ve definitely gone beyond your skill set!

• Look out for the best deals Keep your eyes peeled for the best retail offers. Whether you need to buy new white goods, or you need to invest in some new furniture, retailers are always looking to attract home movers with the best deals. Download the Home Move Club app to get some of the best.

Haven’t moved yet?

No problem! If you need to order any items before you move, the app’s got some great savings so you can get set up for less, even before the big day.

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Top Questions TO ASK THE SELLER WHEN VIEWING A PROPERTY

You may have already found your next home.

However, if you are still searching it is essential to gather all the information you need to make an informed choice. Here are some key questions to ask the seller of a property when you view.

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1. Why Are You Selling?

Understanding the seller’s motivation can provide valuable insights. Are they relocating for work, downsizing, or moving for other reasons?

2. How Long Has the Property Been on the Market?

8. Have There Been Any Recent Offers?

Understanding if there have been any previous offers on the property can inform your negotiation strategy.

9. Are There Any Noise or Nuisance Concerns?

A property’s time on the market can be an indicator of its desirability and potential negotiation room.

Ask about any potential noise or nuisance issues, such as neighbours, traffic, or nearby construction plans.

3. Have There Been Any Recent Renovations or Repairs?

10. What’s the Reasonable Price Range for This Property?

Knowing about recent updates, maintenance, or repairs can help you gauge the property’s condition and any potential issues.

Inquire about the price range the seller considers reasonable. This can help in negotiations and setting your budget.

4. What’s Included in the Sale?

11. Can You Share the Property’s History?

Clarify what fixtures, appliances, or furnishings are included in the sale. It helps to avoid misunderstandings later.

5. Can You Describe the Neighbourhood?

Ask the seller about the local area, including nearby schools, public transport, local amenities, and the overall community.

6. Are There Any Known Issues with the Property?

Inquire about any known issues or historical defects with the property, such as plumbing, electrical, or structural problems.

7. What Are the Utility Costs?

Knowing the average utility costs can help you estimate ongoing expenses for the property.

Learn about the property’s history, including past owners, any major incidents, or historical information that might be relevant.

12. What Are the Local Schools Like?

If you have children or plan to, ask about the quality of local schools and educational options in the area.

Asking these questions when viewing a property can provide you with a more comprehensive understanding of the home, its history, and the surrounding area. It’s essential to gather as much information as possible to make an informed decision and ensure your new home meets your needs, expectations, and future dreams.

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