Home Buying Guide Step 6: Moving in checklist

home buying guide moving in checklist 6

For those homeowners who have exchanged contracts and secured a property, all that’s left to do is move in to your new abode. But before moving day, there are a few errands you need to run.

After reflecting on your lifestyle and financial position, sifting through different property markets, pinpointing and inspecting properties, applying for finance, and making an offer, you’ve done your fair share of fieldwork in the real estate world, and it’s well and truly time to move.

Once the settlement is complete, the property is all yours. But before you start packing boxes, there are a few items to prioritise on your agenda.

Familiarise yourself with the body corporate or local council of your area, organise removalist or cleaning services (if required) and get your utility accounts sorted. These are just some of things you need to organise before moving in.

Before making the transition, ensure that you're fully prepared to enjoy life in your new home from the moment you get the keys.

Before you move in...

Sort through belongings

Now is an ideal time to de-clutter. For any unwanted items, donate them to charity or consider selling them online.

For the items that you’re holding onto, measure them and decide where they will go in your new property. Design a floor plan for furniture placement and measure the space to make sure that your furniture and items will fit in your new home, especially for bulky items such as a lounge or fridge.

Transfer accounts

Organise for mail to be redirected to your new address.

Transferring your accounts should be done once settlement is completed to avoid mail being sent to the new property while you are still in your existing property.

Organise the required connection and disconnection of services with your service providers (e.g. internet broadband providers, phone, bank, pay TV, electricity, water).

Contact your utility and service providers and transfer these accounts to your new address. Try to give the utility provider as much notice as possible to ensure that you’re not left high and dry without running services.

It’s advised that you arrange for your electricity and gas to be connected at your new address at least 5 days prior to moving. Also, notify your employer and all relevant authorities (e.g. Services NSW or VicRoads) of your new address.

If you have kids, contact their school or childcare centre to have all education-related records transferred.

Notify the Electoral Office of your new address and remember to cancel (or transfer) any magazine or newspaper subscriptions.

Read our guide about setting up internet, phone and home utilities and the costs of relocating your broadband with major providers such as Telstra and TPG.

Packing

When it comes to packing, create themes for your items. For example, pack all your kitchen utilities together in one box and make sure you label the box correctly.

Create an inventory list of your belongings so you can keep tabs on your items.

Removalist services

If you’re using a removalist company, make sure you compare several quotes on the market to ensure that you’re getting a good price. It’s advised that you only use a removalist company that is Australian Furniture Removers Association (AFRA) accredited.

Book well in advance to ensure that the removalist company is available on the day. It’s also a good idea to check the weather forecast on the day of the move.

Under Australian legislation, most removalist companies don’t have insurance and may not be responsible if your contents are damaged during transit. Check if your current contents insurance covers moving, otherwise you may need to pay for transit insurance for peace of mind.

Make a note of any unique or fragile items that need special care to be transported. Also, provide the removalist with details regarding parking at your new address if access is difficult.

The average removalist cost for moving a three-bedroom home interstate ranges from $3,500 to $4,500. This will depend on the company selected, the distance you are moving and the amount of items (and labour) that you require for the job.

Another option is to relocate your items yourself. If you have a family member or friend with a large vehicle, then you may be able to save on removalist costs (keep in mind that you may need to cover the petrol cost).

Organise contents and household insurance

Finalise home and contents insurance to protect your family in your new home right away. This kind of insurance policy generally covers cover for loss or damage by theft, cover for accidental fire and additional options such as accidental damage cover.

Compare different home and contents insurance providers to find a policy that suits you. If you are purchasing an apartment or property that is part of a body corporate, they should confirm whether or not you need building insurance.

Cleaning services

If your chosen removalist company doesn’t include cleaning services, you may need to organise an additional cleaning service for your existing property as well as your new property. It’s a good idea to get the carpet and oven cleaned when moving in.

Set aside around $150 for cleaning services per property.

Save money on cleaning with these coupons from Helping

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Once you’ve moved in

Internet connection

Check utilities are connected

Once you arrive at the property, make sure all the utilities are connected properly. Check that the hot water is running and that the gas and electricity is working.

Get to know local services

Take a stroll through your neighbourhood and check out the local businesses and transport services such as schools, shopping centres, cafes, hairdressers, train stations, bus stops, chemists and medical specialists.

Speak to your neighbours and ask which services or event networks they recommend. It may be worth checking out the community notice board and adding local government and media outlets to your social media profile. For instance, the “Northern Beaches Buy, Swap, Sell” Facebook page.

Contact local council

Most local councils provide newcomers with new resident kits that contain information to help you settle into your new suburb.

It can assist you with useful information on local services and available council services.

The new resident kit may include details about:

  • Council rates
  • Waste, recycling and garbage collection
  • Infrastructure or development projects
  • Pet management
  • Recreational activities
  • Local events
  • Building permit information
  • Zoning of land
  • Community centres
  • Driveway and vehicle crossovers
  • Emergency services
  • Environmental regulations
  • Parking
  • Postal services

If you’re thinking of upgrading the property, it’s particularly important that you understanding the building permit and zoning of your land as this may influence any future renovation plans that you have.

Noise restrictions

If you have pets, live in an apartment, or you’re thinking of renovating the property, it’s worth looking into the noise restrictions imposed by your neighbourhood. Neighbourhood disputes are often caused by noise pollution issues so you want to make sure that you’re keeping the peace by obliging by the local guidelines.

Check out our state-by-state noise restriction comparison.

Change security

If you’re concerned about security, organise for a locksmith to change the locks to your new property.

Relocating from your existing property into your new property doesn’t have to be overwhelming. Planning ahead, consulting your service providers, and speaking to local council authorities can go a long way in helping you achieve a smooth transition.

Start comparing home loans now

Rates last updated January 19th, 2018
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Loan purpose
Offset account
Loan type
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Name Product Interest Rate (p.a.) Comp Rate^ (p.a.) Application Fee Ongoing Fees Max LVR Monthly Payment Short Description
3.64%
3.66%
$0
$0 p.a.
80%
A basic home loan with a competitive rate and low fees.
3.69%
3.69%
$0
$0 p.a.
90%
A special limited time offer for owner occupiers. An IMB Transaction Account must be opened with this loan.
3.69%
4.86%
$0
$395 p.a.
90%
A special rate for first home buyers buying residential property and borrowing over $150K. 350K NAB Rewards Points offer available. Terms and conditions apply.
3.49%
4.47%
$0
$375 p.a.
90%
Discount off an already competitive interest rate for loans over $150k. NSW, QLD and ACT residents only.
3.62%
3.62%
$0
$0 p.a.
80%
A discounted, competitive variable rate loan with limited fees.
3.59%
3.62%
$500
$0 p.a.
95%
A loan that combines a competitive rate with a 100% offset account.
3.65%
3.66%
$0
$0 p.a.
90%
A competitive variable rate home loan with no application fee.
3.64%
3.67%
$0
$0 p.a.
80%
A low rate home loan with no ongoing fees.
3.64%
3.67%
$0
$0 p.a.
80%
A home loan with a competitive variable rate, limited fees and plenty of flexibility.
3.74%
3.76%
$0
$0 p.a.
90%
A home loan with a special rate for owner occupiers. Free offset account.
3.74%
3.74%
$0
$0 p.a.
80%
Pay no application fee or ongoing fees with this loan.
3.68%
3.83%
$0
$10 monthly ($120 p.a.)
80%
A low interest rate home loan that allows borrowers to borrow up to 80% of the property value.
3.84%
3.84%
$0
$0 p.a.
110%
Requires a family member to act as guarantor. Discounted rate available with family pledge loans. Family pledge loans
require no LMI and no deposit. NSW, Qld and ACT only.
3.73%
3.73%
$0
$0 p.a.
70%
A special low variable rate for owner occupiers with 100% offset account and no application or ongoing fees.
3.78%
3.78%
$0
$0 p.a.
80%
A basic low-rate home loan that still offers some useful features.
3.79%
4.19%
$0
$395 p.a.
95%
A package loan that offers discounts and a 100% offset account.
4.79%
5.44%
$0
$395 p.a.
90%
Package your 4-year fixed rate investment loan and pay no application fees.
4.09%
4.12%
$0
$0 p.a.
95%
This loan has a high max insured LVR, making it an option for low deposit borrowers.
3.65%
4.19%
$500
$0 p.a.
95%
Get a discounted fixed interest rate for the first 12 months while you settle into your new loan.
3.72%
4.19%
$0
$0 p.a.
80%
Enjoy a variable rate with the Bankwest Equaliser Home Loan.
3.65%
4.84%
$0
$395 p.a.
90%
A 2 years fixed platinum package that has $0 application and a loan redraw facility.
4.09%
4.11%
$0
$0 p.a.
90%
Access a fee-free offset account and a special interest rate for investors.
3.99%
4.02%
$0
$0 p.a.
80%
An investment loan with a competitive interest rate and no ongoing fees.
4.14%
4.14%
$0
$0 p.a.
80%
An investment home loan with competitive rate and 100% offset account.
3.74%
3.74%
$0
$0 p.a.
90%
A competitive variable rate with a redraw facility. NSW, QLD and ACT residents only.
3.64%
4.03%
$0
$395 p.a.
80%
Apply for a new owner occupier loan or refinance from another lender and receive this discounted rate.
3.88%
4.89%
$0
$395 p.a.
95%
A fixed rate package with flexible repayment options. 350K NAB Rewards Points offer available. Terms and conditions apply.
3.74%
4.15%
$0
$395 p.a.
80%
Enjoy a discount of a competitive interest rate and 100% offset account.
4.39%
4.42%
$0
$0 p.a.
80%
An interest-only loan for investors. Access equity to further your investment opportunities.
4.19%
4.59%
$0
$395 p.a.
90%
Enjoy all the benefits of a full-featured package investment loan, including a 100% offset account.
3.95%
4.99%
$300
$10 monthly ($120 p.a.)
80%
A flexible, competitive fixed rate loan that allows for extra repayments.
3.94%
4.88%
$0
$0 p.a.
90%
Enjoy a low interest rate and borrow up to 90% (with LMI) of your property's value.
3.85%
4.18%
$500
$0 p.a.
95%
Apply for Easy Street fixed rate home loans and get a competitive loan with a fixed interest rate.
3.97%
4.02%
$445
$0 p.a.
90%
Get a competitive rate without features you may not use.
3.99%
3.99%
$395
$0 p.a.
80%
A flexible low-rate variable home loan that lets you combine your loan with other financial products.
3.97%
3.97%
$0
$0 p.a.
90%
A competitive variable rate home loan with no ongoing fees.
4.09%
4.25%
$300
$10 monthly ($120 p.a.)
80%
Get a competitive investment home loan rate without expensive features you may not need.
4.09%
4.11%
$0
$0 p.a.
80%
A low variable rate loan with no application or ongoing fees.
3.74%
3.74%
$0
$0 p.a.
95%
A low rate home loan with no application or ongoing fees. Loan comes with 1 year of free home and contents insurance. Note that to be eligible for this loan you must be QLD resident.
3.84%
4.83%
$0
$0 p.a.
80%
Get a competitive 2-year fixed rate with no application or ongoing fees.
3.69%
4.45%
$0
$375 p.a.
90%
Discount off an already competitive 2 year fixed rate for loans over $150k. NSW,QLD and ACT residents only.
3.99%
4.77%
$0
$0 p.a.
80%
A competitive 3 year fixed rate with a redraw facility and split loan options, plus no application fee.
3.68%
3.69%
$0
$0 p.a.
95%
A no frills loan with a competitive rate and a maximum LVR of 95%.
3.64%
3.78%
$0
$10 monthly ($120 p.a.)
80%
A competitive variable rate home loan with flexible features. You can earn 30,000 Velocity Points for every $100k you borrow (for a limited time, subject to eligibility requirements).
3.69%
3.71%
$0
$0 p.a.
90%
A discounted interest rate home loan with no monthly fees.
3.87%
3.87%
$0
$10 monthly ($120 p.a.)
90%
Get a competitive interest rate for 3 years and a discounted variable rate when the fixed period ends.
3.79%
3.80%
$0
$0 p.a.
80%
A competitive rate with no ongoing monthly fees or application fees.
3.69%
3.69%
$0
$0 p.a.
70%
Enjoy a low variable rate with no application and ongoing fees.
3.88%
4.88%
$0
$395 p.a.
95%
Lock in a discounted fixed rate with a low service fee.
3.99%
4.03%
$0
$0 p.a.
95%
Enjoy a basic home loan with a high LVR and no application or ongoing fees.
3.85%
4.95%
$0
$395 p.a.
95%
A discounted package rate for owner occupiers with the ability to package a Qantas rewards earning Amplify credit card. $1,500 cashback available for refinancers. Conditions apply.
3.99%
4.99%
$0
$395 p.a.
95%
A package home loan with fee free extra repayments available during the fixed term.
4.39%
5.42%
$300
$10 monthly ($120 p.a.)
95%
Borrow up to and fix in a 3 year home loan rate. Access your account via internet and phone banking.
3.69%
4.03%
$0
$299 p.a.
80%
Enjoy a low variable rate with no application fee.
5.29%
5.64%
$995
$15 monthly ($180 p.a.)
65%
Available for former bad credit borrowers who have had a clean credit file for the last 24 months. Loan can be used to purchase a property or refinance.
3.59%
4.42%
$0
$0 p.a.
95%
This competitive introductory rate is a limited time offer for new owner-occupiers
3.68%
3.69%
$600
$0 p.a.
90%
Get a low variable rate along with some important basic features.
5.59%
5.94%
$995
$15 monthly ($180 p.a.)
55%
Available for borrowers with bad credit history. Can be used for purchase or refinance even with negative listings on your credit file.

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Credit services for Aussie Select, Aussie IQ and Aussie Optimizer products are provided by AHL Investments Pty Ltd ACN 105 265 861 Australian Credit Licence 246786 ("Aussie"), and its appointed credit representatives. Credit for Aussie Select products is provided by Residential Mortgage Group Pty Ltd ACN 152 378 133 Australian Credit Licence 414133 (“RMG”). RMG is a wholly-owned subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124 AFSL and Australian Credit Licence 234945. Credit for Aussie Optimizer products is provided by Perpetual Limited ABN 86 000 431 827 (Lender). Credit for Aussie IQ is provided by Macquarie Bank Limited ABN 46 008 583 542 AFSL and Australian Credit Licence 237502. Home loans issued by the Lender are serviced by Macquarie Securitisation Limited ABN 16 003 297 336, Australian Credit Licence 237863 (MSL).

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Belinda Punshon

Belinda is a journalist here at finder.com.au. Specialising in the home loans and property sections, she is passionate about helping Australians improve their financial wellbeing.

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