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Buying A House Process – Money Timeline

Buying A House Process – Money Timeline

Everyone knows that buying a house is a long and expensive process. Yet, not everyone realizes that apart from the property cost, there is a set of other expenses. Without them, it would be simply impossible to go through the complete process. The detailed buying a house process – money timeline typically goes as follows:Estimating your budget Even before you start looking for the house of your dreams, you should carefully evaluate your budget and figure out what you can afford. Your savings should be enough to cover the first deposit and the mortgage fees, which may be as high as  £2000. Then, you should check your credit report and talk to your bank representative – he/ she will be able to tell what mortgage plans you are eligible for (the consultation is free). Making your offer After that, you can start looking for houses. If you find something you like, you can make an offer. The offers are typically made via real estate agents. As a rule, agents represent sellers and, consequently, sellers pay the fees. If you want to hire a buyer’s representative, which is not necessary, you will be the one paying for your agent’s services. Hiring a solicitor While hiring a...

Moving A House Checklist Who To Notify Before You Go

Moving A House Checklist Who To Notify Before You Go

Moving into a new house is challenging enough - there are so many things to get ready in your new home, make it clean, order all the missing items, explore the neighbourhood, and so on and so forth. Then, of course, there is the packing and sorting in the old house / apartment, which often leads to getting rid of the old junk, and many more. With a list that long, it is easy to forget plenty of things, and notifying all relevant agencies and services is one of them. So, to make sure everything is in order, take a look at the full moving a house check-list, who to notify before you change your address.  Utilities services Different services and utilities should be the first ones on any list. After all, you will have to receive the bills to your new address pretty soon. Do not forget about: - Electricity - Water - Gas - Telephone - Internet, cable, satellite TV - Post office Finance - Banks and creditors - Office - Insurance and pension companies - Tax department - Social security Personal - Friends - Relatives - Colleagues Health - Doctor - Optician - Dentist Vehicles - Insurance - Registration - Breakdown recovery Other - Schools and libraries - Clubs and gyms - Delivery services and subscriptions (post office may forward some your subscriptions to a new...