They say one of the most stressful things in life is moving home. It’s a change for you and your family which has a significant impact on many aspects of your life. That’s why you need to consider every option available to you. Sometimes you forget what kind of things you even need to consider due to the vast amount of knowledge coming at you from completely different sources. The points below can help you think the right way about any potential new home. It is by no means exhaustive but can get you thinking in the right way. Knowing exactly what you want can help when it comes to the actual search because it means you can filter out a lot of chaff to get to the properties that are pertinent to you. Most of the property search websites these days feature powerful filters which gives you a high element of control unseen in previous years.
New Or Old
Before you start thinking about some of the finer points, it’s important to answer some of the wider questions. There are a myriad of pros and cons concerning old and new builds. Some depend on what kind of person who are. For the main, newer build houses are built in a contemporary style to suit the needs of the modern family. This usually means an on suite and a kitchen diner will come as standard, in most older houses there’s a separate dining room. Of course you can change things to suit your taste anyway. The benefit of a newbuild is that no one else has lived there, it’s a complete blank canvass. You can also inform and guide most homebuilders to make changes specific to you, meaning you have a say in some key structural decisions. This website of Redrow housing developments can give you a flavour or some of the types of builds offered. Some think older houses are better built. In some cases this is true, but for the most part they aren’t as energy efficient. It’s something you need to think about, unless of course the location is more important than the home.
Country or City
Another big consideration you need to think about. Space or city. Do you like the great outdoors or being close to key shopping and nightlife. Your commute factors in too. No point moving out to the country if you’re going to take a job in the heart of the city. If your heart truly lies in the country then you’ll suffer the commute but for most it doesn’t make sense. That being said there are better rail links and networks being built all the time so check what kinds of infrastructure and transport developments are planned in your area before hand, you could end up finding something which will increase the value of your home down the line too. Generally you’ll get more space in the country but the location of your family and friends should play into this. It can sound attractive. Moving somewhere quaint with space, but you’ll soon find being far from family can be a frustration. Especially if you have kids. Think it through. Weigh up the good and bad points and see which comes out on top.
Something you need to think about are the environmental hazards in any prospective area. It’s mandatory for every house to be assessed for any potential flood damage, but go a little further just to be safe. Is there Japanese knotweed growing on site for example, what is the air quality like? Is it next to a major motorway of factory area? You can check the areas at risk to flood in many places but make sure they’re reputable. Remember, not only is it dangerous to do so, but you’ll have more outgoings as your insurance will go up for home and contents cover. Another thing to check out for is nests. Wasps and bees can be cleared out fairly easily but if you get something like termites it can be an expensive process to themforce all out of your home. It pays to be savvy and dedicate some time to any potential environmental hold ups in your home. Check if there is woodland nearby too. Woods usually house critters, meaning you may have mice and foxes moving around your gardens at night. If you have pets who stay outside it could be a problem. It can be hard spotting environmental problems so if you have any serious concerns it can be worth checking in with an expert to help you get any issues analysed. It may be expensive, but it’s a lot cheaper than buying the house and then finding out afterwards.
Level of Work Needed
Again, if you’re getting a new home this will be minimal. However, some older homes require a lot of work. The trick is making sure you get the home for a fair price which reflects the work that needs to be done to the property. Assess this fully before making any offer. Once an offer has been made make sure you alter it if more information comes up during the valuation or building survey. Certain homes can be completely run down whereas others will just need some TLC. Whatever the case, assessing the workload properly can only save you time and maybe money. Look at your work life. How busy are you? If you inundated then do you have the funds to pay someone to do the work for you? If not be prepared to live somewhere which needs some work for the time being.
Is your new home future proof? Are you planning on starting a new job where you work from home? Are there only enough bedrooms for you and your children? Consider finding somewhere with an extra room downstairs for a study. The same applies if you are thinking of having another child. You’ll only have to move again a few years down the line and if that’s all part of your grand plan then fine. But if it isn’t you’re just setting yourself up for more hassle and change. Plan ahead. Think about the rooms you need and go for it. If you can, it’s always good to have a spare bedroom anyway for these eventualities but simply sitting down and picturing where you and your family will be in five years can really change your mind about what kind of house and space you’ll want and need.
Get A Full Range Of Mortgages
So many people still go straight to their bank for a mortgage. They may give a preferential rate but it doesn’t mean it’s the best one. You have to shop around if you want the best deal. A way to do this is by going to a broker. But even then they don’t get the full range of the market in most cases, they’ll just be able to access certain deals that you won’t be able to. Get around this by checking yourself. It couldn’t be easier with all the comparison websites out there these days. You owe it to yourself and your finances to check what’s out there and get the best mortgage for you and your family. You could even be setting yourself up for a surprise as many mortgages offer cash lump sums for going with them. It doesn’t take long, and it can save you a small fortune. The same is said of remortgaging. If you haven’t done it for a while it’s worth doing a quick search and seeing what’s out there.
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