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.


Want to protect your home?

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.

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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 September 25th, 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
3.59%
3.59%
$0
$0 p.a.
80%
Enjoy flexible repayments, a redraw facility and the ability to split your loan. Plus, pay no application or ongoing fees.
3.64%
3.66%
$0
$0 p.a.
90%
Get a low interest rate loan with no ongoing fees. Plus you can make extra repayments and free redraw online. Available with just a 10% deposit.
3.64%
3.65%
$0
$0 p.a.
80%
Get a very low interest rate and pay fewer fees. Enjoy a fast online application process and add a 100% offset account for $10 a month.
3.64%
3.66%
$0
$0 p.a.
80%
A simple mortgage with a competitive interest rate and no application or monthly fees. Borrow up to $2 million from a convenient online lender.
3.68%
3.82%
$0
$10 monthly ($120 p.a.)
80%
Get double Velocity Frequent Flyer Points with this mortgage to spend on flights and more (for a limited time, subject to eligibility requirements). Redraw facility available on this variable rate home loan. Competitive interest rate.
3.54%
3.57%
$0
$0 p.a.
80%
A competitive variable interest rate product aimed at refinancers looking to switch to a lower rate.
3.79%
3.80%
$0
$0 p.a.
90%
Get one free online redraw per month and pay no ongoing fees. Application fees are waived for loans above $150,000.
3.87%
3.91%
$0
$10 monthly ($120 p.a.)
90%
Get Velocity Frequent Flyer Points at settlement, monthly and every three years, plus the option to make up to $10,000 a year in extra repayments.
3.54%
3.58%
$0
$0 p.a.
80%
Get a competitive rate, save on fees and access a 100% offset account plus redraw facility. $900 cashback offer.
3.65%
3.66%
$0
$0 p.a.
90%
Competitive interest rate and low fees. Available with a 10% deposit. Partial offset account attached (offset up to $15,000).
3.88%
4.40%
$0
$395 p.a.
90%
Lock in a very competitive 2 year rate and get package discounts on your credit card and offset account. $1,500 cashback available (conditions apply).
3.74%
3.74%
$0
$0 p.a.
80%
A basic owner-occupier home loan with a low variable rate that requires a 20% deposit.
3.49%
4.57%
$0
$395 p.a.
90%
Loans over $150k get a discount off an already low fixed rate. Available for NSW, QLD and ACT residents only.
3.68%
3.70%
$0
$0 p.a.
80%
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments.
3.64%
3.78%
$0
$10 monthly ($120 p.a.)
80%
Earn double Velocity Frequent Flyer Points on your mortgage for a limited time (subject to eligibility requirements). Plus, access a 100% offset account to save on interest.
3.75%
3.75%
$0
$0 p.a.
70%
Pay no application or ongoing fees and get a flexible loan with the ability to split up to 6 times.
3.77%
3.81%
$695
$0 p.a.
95%
A simplified mortgage with a low interest rate and a redraw facility.
3.79%
3.82%
$0
$0 p.a.
80%
A variable investor mortgage with a high borrowing amount so you can fund a large purchase.
3.64%
3.64%
$0
$0 p.a.
70%
A low interest rate home loan with no application or ongoing fees.
3.74%
4.13%
$0
$349 p.a.
90%
Get a sharp rate plus package discounts and a 100% offset account.
3.62%
3.62%
$0
$0 p.a.
95%
A low deposit mortgage with a competitive rate and plenty of flexibility. QLD residents only. Eligible borrowers can get a 15% discount on home and contents insurance for the life of their loan.
3.69%
4.12%
$0
$395 p.a.
80%
Unlock a range of savings with this competitive package home loan offer. Offset account and redraw facility included.
3.79%
3.79%
$0
$0 p.a.
80%
Access an offset account and pay no application or ongoing fees on this special variable rate for owner-occupiers.
3.70%
3.70%
$0
$0 p.a.
70%
Get a discount for keeping your LVR at 70% or below with this innovative online lender.
3.80%
3.80%
$0
$0 p.a.
70%
Earn tens of thousands of Qantas Points or more with this variable owner occupier mortgage. Requires a 30% deposit.
3.64%
3.64%
$0
$0 p.a.
70%
A basic variable home loan that offers a competitive interest rate with no application fees and no ongoing fees.
3.84%
3.84%
$0
$0 p.a.
80%
Pay no application or ongoing fees and get access to a free redraw facility with this innovative online lender.
3.64%
3.65%
$0
$0 p.a.
80%
Fast, 100% online application process. Very limited fees. Optional offset account (with fee).
3.99%
3.92%
$0
$10 monthly ($120 p.a.)
90%
Enjoy a competitive fixed rate with no application fee. Earn double Velocity Frequent Flyer Points to spend on flights and hotels. Terms and conditions apply.
3.85%
3.85%
$0
$0 p.a.
80%
Pay no application and ongoing fees with Macquarie Bank Basic Home Loan. Split and redraw facilities included.
3.71%
3.71%
$0
$0 p.a.
70%
A variable rate home loan that has a lot of flexible features. This loan has a 100% offset account.
3.72%
4.10%
$0
$395 p.a.
80%
New borrowers or refinancers can get a discounted rate with this package loan. Bonus $1,500 cashback for refinancers.
3.59%
3.64%
$0
$0 p.a.
80%
Apply online and get fast approval for this fixed rate, low-fee loan with redraw facilities. Add a 100% offset account for a small fee.
3.81%
3.81%
$0
$0 p.a.
80%
A home loan with a competitive rate and plenty of handy features. This product comes with a 100% offset account.
3.89%
3.91%
$0
$0 p.a.
80%
This variable rate loan keeps the features simple and fees low. This loan is offered by a 100% online lender.
3.59%
4.19%
$0
$10 monthly ($120 p.a.)
90%
Get a low discounted rate for 2 years plus a 100% offset account. And you can get the loan with a 10% deposit.
3.72%
3.74%
$0
$0 p.a.
80%
Save on interest by taking advantage of a 100% offset account along with no ongoing fees or application fees.
3.84%
3.82%
$0
$0 p.a.
80%
A fixed rate loan with free redraws, few ongoing fees. Apply online with a fast approval process.
3.69%
4.08%
$0
$349 p.a.
90%
Package your loan with other AMP products and save on rates and fees.
3.59%
4.74%
$0
$395 p.a.
90%
Enjoy a competitive rate with no application fee for this package loan.
3.99%
4.13%
$0
$10 monthly ($120 p.a.)
80%
A competitive variable rate home loan with no application fee.
3.74%
3.74%
$0
$0 p.a.
110%
Pay no deposit or LMI and get a discounted rate with this family pledge loan. Requires a family member to act as guarantor. NSW, Qld and ACT only.
3.67%
3.69%
$0
$0 p.a.
80%
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
4.04%
4.07%
$0
$0 p.a.
90%
For a limited time, pay no application or settlement fees. You can also take advantage of a free redraw facility.
3.76%
4.15%
$0
$395 p.a.
90%
A high maximum LVR home loan with redraw facility and additional payments. Get this mortgage with a 10% deposit.
3.59%
4.14%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
3.75%
4.00%
$0
$248 p.a.
70%
Borrowers with a 30% deposit can get this competitive rate.
3.97%
3.99%
$0
$0 p.a.
80%
Package your owner occupied loan with investment loan and receive a discounted investment rate. 100% offset account included.
3.99%
4.44%
$395
$0 p.a.
80%
Pay no ongoing fees on this investment loan fixed for 3 years.
3.70%
3.90%
$0
$0 p.a.
70%
Enjoy all the benefits of the Basic Home Loan and take advantage of an offset account.
3.89%
3.94%
$0
$0 p.a.
90%
Borrow up to 90% of the value of the property you're buying, and pay no application fee.
3.99%
3.99%
$0
$0 p.a.
70%
Investors with a 30% deposit can get this low rate loan to fund their property portfolio.
3.91%
3.92%
$0
$0 p.a.
80%
Investors can go from application to approval in as little as 20 minutes with this innovative online lender.
3.74%
4.01%
$395
$0 p.a.
80%
A competitive fixed interest rate product with no ongoing bank fees.
4.31%
3.95%
$0
$0 p.a.
80%
A variable interest-only loan for investors. Fast application, low fees, optional offset account. 100% online lender.
4.29%
4.31%
$0
$0 p.a.
80%
Investors will pay no application or ongoing fees for this interest-only loan.
3.74%
3.74%
$0
$0 p.a.
80%
Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule.
4.18%
4.18%
$0
$0 p.a.
80%
Investors get a 100% offset account and pay no application or ongoing fees on this loan from an innovative online lender.
3.89%
4.24%
$0
$0 p.a.
80%
Fix your rate and minimise repayments for 2 years with this interest-only investor mortgage.
3.89%
4.94%
$595
$0 p.a.
90%
Borrow up to 90% of the value of the property you're buying and pay no application or ongoing fees.
3.99%
4.86%
$0
$0 p.a.
80%
Access a fee-free 100% offset account and pay no application or ongoing fees.
4.29%
4.26%
$0
$0 p.a.
95%
A competitive 3-year fixed rate loan with a high max insured LVR.
4.14%
3.96%
$0
$0 p.a.
80%
Investors can go from application to full approval in as little as 20 minutes with this innovative online lender.
4.14%
4.81%
$0
$0 p.a.
80%
Pay no application fees and access a fee-free redraw facility with this fixed rate loan.
3.84%
3.91%
$0
$0 p.a.
80%
Get instant online approval and flexible repayment options with this fixed rate mortgage for investing.
3.99%
3.99%
$0
$0 p.a.
80%
Get a discounted, low-fee investor loan from a convenient online lender. 20% deposit required.
3.94%
3.92%
$0
$0 p.a.
80%
Lock in your interest rate for 2 years and enjoy flexibility, an optional offset account and a fast online application process.

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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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