Mortgages, Insurance and Gas and Electricity - a helping hand when moving home
Mortgages, Insurance and Gas and Electricity - a helping hand when moving home.
Moving home is a new beginning, full of hopes, aspirations and excitement. It can also be very stressful. There's so much to organise; from finding a house you love, arranging surveys, finding mortgage, not to mention packing your belongings. Not surprisingly, its easy to overlook the most obvious of things, like home insurance, life insurance and saving money on your utilities. The good news is that Kirby Colletti in the home buying and moving process.
FIRST THINGS FIRST - YOUR MOTGAGE.
It's not always easy being a home buyer- all you want is advice on the right mortgage and pay for your own roof over your head - but where do you start? There is so much information and a vast range of mortgages to consider which can make it difficult to know where to begin. Please see our financial page and speak to our very own mortgage advisors will provide you with free advice.
PROTECT YOUR NEW HOME - HOME INSURANCE.
Home insurance can mean building insurance, contents insurance or both. Mortgage lenders will often ask for proof of building insurance to cover the cost of rebuilding our home should the worst happen. Contents insurance generally covers all the contents in your home against theft, fire, water damage, storms or floods, smoke, lightning and malicious damage. So, a pretty important thing to have organised when moving home! You'll need to know certain information about your new home in order to get some insurance quotes - typically, door lock information, alarm type, the year the property was built and the value of all contents - so get to know your new home to ensure you get the best deal.
PROTECT YOUR FAMILY - LIFE INSURANCE.
Life insurance aims to provide financial protection and reassurance that your family and those nearest to you are looked after financially once you've gone. Think about if the worst happens, would loved ones be able to cope without your financial assistance? Below are just some of the examples of how life insurance aims to ease the burden in the case of death. Pay off your mortgage, provide finance to help your family maintain their lifestyle and pay off any credit card or personal loan debts.
TURN DOWN THE COST OF GAS AND ELECTRICITY
Before you move, advise your existing supplier of the meter reading so you are not liable for any gas and electricity usage after you leave. Also, don't be coerced into transferring your old supplier to the new property - this may seem like the easiest option but might not be the most cost effective. Once you've moved, don't just inherit the current supplier either - search the market and find a deal thats right for you.
17/01/13 By Completion - the definitive guide to moving home