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Moving is an exciting time, and we're here to make sure you find the right mortgage.
We believe that everyone should be able to own their own home, should you want to. And it's our job to help make it happen.
When investing in a buy-to-let property, you need to know that your mortgage meets your criteria.
Our promise to your is to make sure you never pay more than you need to. We understand how important it is to get the right deal.
At Your Expert Group, we'll help you decide if you think you need protection for your home and mortgage.
Using our mortgage calculators, we can help you understand key things like how much you can borrow.
By using our mortgage calculators, we can help you understand key things like how much you can borrow.
Use our Stamp Duty data to work out if you’ll have to pay stamp duty and if so, how much.
Use our mortgage borrowing calculator and discover how much money you could borrow.
Land and Buildings Transaction Tax (LBTT) is Scotland’s version of UK’s Stamp Duty Tax.
Scotland
Whether you’re a seasoned mover or a first-time buyer, there are still many factors to consider when moving house, so it’s important to be organised.
By following a moving checklist, you can break the process down into manageable steps and ensure all tasks are completed efficiently, helping you beat the stress of moving house.
1. Arrange a Conveyancer
Before completing the transaction, compare conveyancers to help you find the most experienced and verified professionals for the job. Your chosen solicitor can then help you through the conveyancing process and ensure the right documentation is arranged.
2. Arrange a Home Survey
To ensure the new property is a worthy investment, it’s vital you arrange a home survey to assess its condition. Don’t forget to compare surveyors and research which type of home survey would be most beneficial for you.
3. Arrange a Removal Company
With the transaction nearing completion, it’s time to compare removal companies. Calculate your potential moving costs and decide which fixtures and fittings you will take or leave behind. Your removal costs will vary depending on a variety of factors. For example, long-distance moves will likely cost more.
Consider whether you require additional services, such as packing or self-storage, to help you budget accordingly.
4. Exchange Contracts
The exchanging of contracts is one of the last steps in the conveyancing process. Your conveyancer will take care of the legal work on your behalf and will inform you when a completion date has been agreed upon.
5. Declutter
Now is the time to start packing and preparing your old property for the sale. Start cleaning and decluttering to reduce the volume of items that need to be moved, thus reducing your removal costs. You can either purchase packing supplies from your chosen removal company or you may find free moving boxes from local shops.
6. View Storage Options
If you’re still struggling to pack at this stage, consider comparing storage providers to lessen the load before you move. This will ensure you have enough space whilst also protecting your belongings.
7. Confirm Completion Date
Confirm all the vital details that will finalise the transaction with your conveyancer and estate agent. Whilst the completion date is not always the same as your moving day, they can occur simultaneously, so it’s important you’re organised before this stage.
8. Complete Your To-Do List
Your moving date should be just around the corner. It’s time to complete your to-do list and finish the last tasks for the packing process. Gather all essential items and create a handy moving day bag to ensure nothing is missing when you arrive at the new home.
9. Moving Day
Congratulations, it’s your moving day! It’s time to direct your chosen movers and start loading the removal van. Ask your estate agent for updates regarding the keys and keep important contact details close at hand in case there are unexpected delays.
10. Update Your Address
Whilst unpacking and settling into the new property, you can introduce yourself to your new neighbours and explore the local area. You will also need to contact relevant companies, subscription services and facilities to inform them of your change of address. Don’t forget to contact:
For more advice on moving house, get in touch with our experts today.
Your home may be repossessed if you do not keep up repayments on your mortgage.
There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1% but a typical fee is 0.3% of the amount borrowed.
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TMR Financial Solutions is a trading name of Your Expert Mortgage and Protection Ltd which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the Financial Conduct Authority.
Your Expert Mortgage and Protection. Registered Office: 89 West Regent Street, Glasgow, Scotland, G2 2BA. Registered in Scotland number: SC674157.
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