*Finding your next house in collaboration with CIA Landlord Insurance
Making the decision that it’s the right time to move on to your next house is huge – let alone actually putting the wheels in motion. It can be so daunting! When we moved a few years back, we spent a whole lot of time and research looking for the perfect area and the perfect house and I am so glad that we did.
It’s a good idea to have a bit of a checklist of things to tick off and look into before you commit to an area or a property. After all, moving house is one of the biggest changes you can make in your life, and a mortgage is probably the biggest expense, so it’s worth getting it right.
Average house prices
If you have a certain area in mind, start by taking a look at its average house prices. You’ll want to be sure that your budget realistically matches up. If not, you could always look at the neighbouring villages or towns. Not only this but if you find the right property, you want to be sure that you’re getting it for the right price – or a good deal. CIA Landlord Insurance has a great local property stats tool where you can check this by entering the postcode for the area in question.
Similarly, and something else that CIA’s local property stats tool can help with, is checking an area’s crime rate. No matter how nice a property might be, if it’s a diamond in the rough then you might struggle to settle. No one wants to live in a crime-ridden area but especially not families or elderly people. It also makes a big impact on things such as your car insurance, sending policy premiums rocketing.
CIA’s tool can give you the areas official crime rate and it will also go as far as to let you know how many crimes have been committed in the area and what those crimes were. If being in a safe area is important to you, then you want to be looking for an area with a rate of 10 or below!
Check out the neighbourhood before making an offer
Take a trip or two to the neighbourhood in question and take a walk around. It’s also helpful to visit at different times of the day. Does it still feel safe at night? Does the street become overcrowded with cars during school pick-up and drop-off times? Visit the local pubs, shops, and restaurants to get a feel for the community and perhaps even quiz a few locals on the area. Once you’ve made your visits, it’s time to trust your gut as to whether it could feel like home.
Check for a flood zone
Don’t learn the hard way about whether a property is in a flood zone – you can find out for yourself over on the Environment Agency website. Your insurance premiums, property’s value and your quality of life will all be really negatively affected if you’re hit by water damage. It’s not something that anyone wants to be faced it, so do what you can to avoid it.
Important questions to ask your seller
Perhaps you’ve found a great property at a good price in a nice area, but it’s been on the market for longer than you’d imagine. You have every right to ask all the nosey questions on your mind – and you should! Here are a few good questions to ask your seller…
- How many viewings has the property had?
- How many offers?
- How long has it been on the market?
- Has there ever been any neighbour disputes?
- Why are the vendors moving?
- Is there allotted parking spaces?
These will scratch the surface when finding your next house, but there’s likely to be more that you’ll have depending on your individual circumstances so make sure that you put your investigative head-on.
Finding a new house is so exciting and a lot of fun, but it’s so important to not get carried away with nice-looking houses and cheap prices. Make sure all of your needs align perfectly – you can afford to be picky with something as important as your future home.
Thanks for stopping by today, I hope you’ve enjoyed this post.
And of course, found the tips on finding your next house useful!