Together with starting a new job, getting married and having a baby, buying a house is often regarded as one of life’s most stressful experiences. Not only is it a major financial commitment, the process can often involve lots of different parties and a series of events that are beyond your control.
Buying a house also represents change and uncertainty – most of us like familiarity and routine and buying a house can be very unsettling, in some cases bringing on stress and anxiety.
In this blog, we explore some of the ways you can help yourself to manage the process and stay feeling in control.
Be kind to yourself
First of all, feeling stressed, anxious or out of control isn’t a sign of weakness. Buying a house is a big deal, so don’t be hard on yourself. If you can, consider taking time off work or away from your normal schedule so that you have time to focus on the process. If you have children, again if you can, ask somebody to help out with looking after them. Remember whoever you’re asking will probably have bought a house at some point themselves and they will know what you’re up against. Take a break from the process every now and again – don’t become so busy with it that you don’t look after yourself physically.
Take time out to understand the process before you start the process
Although it can feel overwhelming, if you break the process of buying a house down it is actually fairly simple. We’ve broken it down in to ten outline steps
1. Work out how much you can afford with a deposit and mortgage
2. Apply for a mortgage in principle
3. Start your search, register with an estate agent (preferably us!) and start viewing
4. Make an offer
5. Apply for a mortgage
6. Find a licenced conveyancer / property solicitor
7. Get a property survey
10. Move in!
Write a list
In addition to the above steps, and once you have a confirmed moving date from your licensed conveyancer or solicitor, there are some important organisational tactics to deploy – cue a good old-fashioned list! Your list needs to cover:
- Getting quotes from removals companies (or deciding to hire a van and roping a few friends in to help you!)
- Contacting utility suppliers, including electricity, gas, phone, broadband etc.
- Letting people know you’re moving, including your bank and other financial companies, insurance companies, the council/electoral roll, TV Licensing and the DVLA. You can also organise to redirect your post via the Post Office
- Asking the seller for instructions as to where to find things in the house (e.g. the stopcock, gas and electricity meters, fuse box and thermostat) and how to use any electrical appliances
Oh, and don’t forget about having a good sort out before you start packing. And when you are packing, label those boxes clearly and remember to pack your moving day essentials separately– the kettle is vital on moving day!
Above all, keep calm and carry on – tell yourself you’re doing great!
If you are looking to buy a home, please head over to our sales page where we have homes available to suit every budget and style. If you can’t find what you’re looking for, please get in touch with one of our friendly team who will discuss your requirements with you and let you know when appropriate properties come to market.
Equally, if you are looking to sell your home, please get in touch to arrange a valuation and discuss the next steps to getting your property to market.