Despite increased prices, people all over the developed world are entering the housing market in their droves. Some are spurred by the opportunity to work remotely, others simply see an opportunity to get a bit more space in a competitive market. Regardless of the reason, moving house certainly isn’t a stress-free activity.
If you’re moving from one house to another, you’ll need to list, sell, and exchange your own home while also looking for another, with each step requiring the involvement of another agent of some sort. Still a process that’s quite set in its ways, so to speak, it can be a struggle to find modern, streamlined services that make the process easier and generally more cost-efficient. So here, we have a few online services that should help you out.
See how much your house is worth
Step one of moving is to see how much you can get for the house that you’re presently living in. While some estate agents request professional evaluators – who often charge rather extortionate rates – much of the time, these align with the valuations that you can find through online services for free. While a local estate agent will eventually need to come to the property itself and confirm estimations, you can get a very good idea for free online.
You can get this IOV at OnTheMarket, with you only needing to enter your postcode and answer a few questions about the house, such as the number of bedrooms, bathrooms, and reception rooms. Next, you detail the condition of key rooms, like the bathrooms and kitchen, and then finish off by giving your email, name, and phone number to receive the results. After that, you get an estimated price for the property.
See how much you can lend
Once you’ve got the valuation of your house, you’ll have a rough idea of the capital that you’ll have to utilize in the market. From there, though, you’ll likely need to get a mortgage – unless you have already paid off the loan on your existing property and aren’t looking to upscale. The only issue with most checks like this is that they are done through agencies and apply a hard credit check, which does impact your credit score.
To usurp this outdated method, the MIP that Trussle offers soft checks on your credit history and eligibility against 18 leading lenders. This way, your credit score doesn’t take a hit, but you still get an accurate reading of how much you can borrow for a home. To get a mortgage in principle, you usually need to provide payslips or three years of accounts if you’re self-employed, proof of address, and a form of photo ID. The online MIP doesn’t demand any of this.
Get your address changed across the board
If you manage to sell your house and buy a new one, the next headache is telling everyone that you’ve changed your address. Going through each service that you pay for is hard enough, but if you also work from home or are self-employed with your home as your business address, it can be a very tiresome experience. That’s where IAM comes into play as the only online change of address service, with the free platform informing everyone that you need to tell in one fell swoop.
You may not be able to undergo every tedious process of a move from the comfort of your sofa, but you can get these key tasks out of the way quickly, easily, and reliably.