Thinking of moving home in time for Christmas? You don’t have much time left, but you may be able to make it work!
Many people who want to move home during the winter will see Christmas as the major deadline for moving in because we will want to be able to spend Christmas in our new home. The excitement of spending our first Christmas in a new house, in a new atmosphere with the start of a new era. December is an incredibly popular time to move home, and you can do it too.
First think about the timescale, you’ll want to be able to sell you own home after watching for HDB, buy a new property and be able to put your Christmas tree up in the new house. Can you possibly find our new home and push everything through before the week of Christmas.
Mortgage In Principle
Before you begin the process of moving, you’ll need to make sure you have your agreement in principle ready to go. It will save you a lot of time with the application process and allow you to find the property within you price range. It will only take you 20 minutes to complete the mortgage in principle, and that 20 minutes can save you days in the application process when the mortgage lender wants evidence of how much you can feasibly afford for your home. It usually takes around 3 weeks for a mortgage application to go through, which means that the sooner you get things prepared the better for you and your family.
Selling in December
The great news is that many mortgage lenders offer some brilliant deals during the winter period in the run up to Christmas, especially for those who want to get into a new home by Christmas. You’ll be able to find some great mortgage deals with interest rates and monthly payments perfect to start you off in your new home.
Make sure that you have all of your legal documents to hand before you go for your appointment with the mortgage lender and the solicitors. Solicitors can take a long time to get all of the necessary documentation sorted out and to also write up the contract of sale. It can be up to a month before they are for you to exchange with the seller of the property you want to buy, so make sure that you can speed things up as much as possible from your end.
If you are unlucky enough to be in a chain, where you have to wait for the person buying your home to sell their own, it can slow the process down quite a lot. If their sale falls through, it means that the whole chain will fall through and you’ll be back to square one in no time.
However, you can avoid this by going down an alternative route when you sell your home. Instead of selling your property to a seller, you can instead buy a new build, and then part exchange your existing home and sell that back to the developer. It means that you have a guaranteed buyer at the end of it and no risk of the sale falling through.
When you come to sell on your property, you may be tempted to put your home on the market higher than it’s worth to see what you can squeeze from the sale. However, you may notice that properties with high prices often stay on the market for a long time without being touched. This is because the seller is so stubborn that they won’t lower the price to accommodate for buyers. If you want to sell your home as quickly as possible, it is advisable for you not to push it with the prices and try to sell it for too much. You won’t get as many offers and the time it takes to pique interest will be longer. If you want to motivate people to purchase your property, you need to think about the price you want to offer.
After The Exchange
Once you’ve exchanged contracts, you need to be on the ball if you want to get in and settled in time for the festive season.
Make sure you’ve packed up most of your belongings in advance to save you time once the contracts have been exchanged, and then you can look into hiring a professional movers company or renting out a van for the day to get everything into your new home. Try and aim for the earliest date possible- a lot of the time if you want to hire a van, if you use a company such as Hertz, you’ll be able to book just a day in advance. Speed is of the essence now, you’ll want to get everything in as quickly as possible and get the cooker, fridge and washing machine installed. Once you are in, you can begin enjoying the rest of December and start putting up your decorations.
Don’t worry too much if your home is a little messy for the first few weeks, just enjoy Christmas and make the most of the time you have with your family in your new place. Light plenty of candles, watch Christmas movies and unpack your things!
Now that you are in your new place, you can really start to make your house into a festive home. The key is to take it slowly, you don’t need to unpack every single box during the few weeks you have until Christmas, just unpack all of the essentials. Once you’ve set up your living room for maximum cosines, you can decide where to put the tree. If you are planning on buying a real tree, you’ll need to move quickly because In December they sell out fast. If not, put up your artificial tree and play around with the layout, make sure it’s near a plug socket so you can add lights. After that’s up make the rest of the house feel festive with wreaths, garlands and lights. Enjoy your new home!