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 April 23rd, 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%
Pay no ongoing fees and enjoy a flexible repayment schedule, including the ability to make unlimited additional repayments without penalty.
3.59%
3.60%
$0
$0 p.a.
90%
Borrow up to 90% of the value of your property and pay no ongoing fees with this loan from a leading international bank.
3.49%
4.49%
$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.
3.69%
3.73%
$600
$0 p.a.
95%
Variable rate home loan from one of the big 4 banks. Available with just a 5% deposit.
3.49%
3.49%
$0
$0 p.a.
90%
Get a competitive variable rate with low fees. Add a 100% offset account for $10 a month. Available with a 10% deposit.
3.69%
3.69%
$0
$0 p.a.
90%
Get a special discount for a limited time when you open an IMB Transaction Account. Face-to-face consultations available in NSW and ACT.
3.69%
3.69%
$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. Refinance to a UBank loan and you could get $1,000 in your USaver account (offer conditions apply).
3.65%
3.66%
$0
$0 p.a.
90%
Offset up to $50,000 of the combined balances of your CUA Everyday Accounts and save on interest.
3.68%
3.69%
$0
$0 p.a.
95%
This variable rate loan offers flexible repayments and a redraw facility. Available with a 5% deposit.
3.58%
3.58%
$0
$0 p.a.
70%
A low interest rate home loan with no application or ongoing fees.
3.64%
3.67%
$0
$0 p.a.
80%
A mortgage with a competitive variable rate, limited fees and plenty of flexibility.
3.52%
3.53%
$0
$0 p.a.
80%
Go from application to approval in as little as 20 minutes with a variable rate loan from this innovative online lender. Add a 100% offset account for $10 a month.
3.64%
3.67%
$0
$0 p.a.
80%
This loan offers a competitive variable rate and a 100% offset account to help save you on interest repayments.
3.87%
3.87%
$0
$10 monthly ($120 p.a.)
90%
Get Virgin Velocity Points at settlement, monthly and every three years, plus the option to make up to $10,000 a year in extra repayments.
3.68%
3.83%
$0
$10 monthly ($120 p.a.)
80%
Get a 100% offset account to save on interest charges, and pay no application fee.
3.49%
3.52%
$500
$0 p.a.
95%
A loan that combines a competitive rate with a 100% offset account.
3.64%
4.03%
$0
$395 p.a.
80%
New borrowers or refinancers from another lender get a discounted rate with this package loan.
3.54%
3.58%
$0
$0 p.a.
80%
Eligible borrowers can get $1,200 cashback on this loan with a 100% offset account and a redraw facility.
3.62%
3.62%
$0
$0 p.a.
95%
Free home and contents insurance for 1 year. Terms and conditions apply. QLD residents only.
3.65%
3.66%
$0
$0 p.a.
80%
This special rate loan comes with no application or ongoing fees, and offers a flexible repayment schedule.
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.
3.77%
3.81%
$200
$0 p.a.
95%
A simplified mortgage with a low interest rate and a redraw facility.
3.70%
4.13%
$0
$395 p.a.
90%
Package your loan with an eligible credit card for discounts on rates and fees, and get a 100% offset account.
3.73%
3.73%
$0
$0 p.a.
80%
Get a 100% offset account and pay no application or ongoing fees on this special variable rate for owner-occupiers.
3.59%
3.99%
$0
$395 p.a.
90%
A high maximum LVR home loan with redraw facility and additional payments.
3.69%
4.86%
$0
$395 p.a.
90%
Start your home buying journey with 2 years of fixed repayments and a reasonable rate from a big 4 bank. Available with a 10% deposit.
3.78%
3.78%
$0
$0 p.a.
80%
Pay no application or ongoing fees and get access to a free redraw facility with this innovative online lender.
3.62%
3.62%
$0
$0 p.a.
80%
Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule. Refinance to a UBank loan and you could get $1,000 in your USaver account (offer conditions apply).
3.84%
3.87%
$0
$0 p.a.
90%
Save on interest with a free 100% offset account and buy your property with just a 10% deposit.
3.59%
4.14%
$395
$0 p.a.
80%
A one year fixed rate offer with no ongoing bank fees.
3.99%
3.74%
$0
$0 p.a.
90%
Borrow up to 90% of the value of the property you're buying, and pay no application fee.
3.69%
4.11%
$0
$395 p.a.
80%
Save on interest with a 100% offset account and save on other ME products with this package loan.
3.59%
3.99%
$0
$395 p.a.
95%
Get interest rate discounts and waived fees on this package loan with a 100% offset account.
3.74%
4.01%
$395
$0 p.a.
80%
A competitive 3 year fixed rate with no ongoing bank fees.
3.99%
5.17%
$600
$0 p.a.
90%
Competitive rates for fixed for 3 years with redraw facility.
3.85%
4.05%
$0
$350 p.a.
95%
This high LVR fixed rate loan allows you to borrow up to 95% of the value of the property you're buying.
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.
3.74%
3.74%
$0
$0 p.a.
80%
Pay no application or ongoing fees and get access to a redraw facility and flexible repayment schedule.
3.79%
3.80%
$0
$0 p.a.
80%
Investors can go from application to approval in as little as 20 minutes with this innovative online lender.
4.15%
4.76%
$600
$0 p.a.
90%
A competitive rate with no ongoing fee and borrow up to 90% LVR.
3.85%
5.05%
$600
$0 p.a.
95%
This fixed rate loan offers a 100% offset account and the flexibility to make extra repayments.
4.50%
4.82%
$600
$0 p.a.
90%
A variable interest-only loan to fund your investment. Get this loan with a 10% deposit.
4.19%
4.21%
$0
$0 p.a.
80%
Investors will pay no application or ongoing fees for this interest-only loan.
3.99%
4.99%
$600
$0 p.a.
95%
Get a 100% offset account and the option to make extra repayments with this fixed rate loan.
3.74%
3.74%
$0
$0 p.a.
90%
New customers can get a discounted variable rate and a fee-free redraw facility. NSW, QLD and ACT residents only.
3.94%
3.57%
$0
$0 p.a.
80%
Apply online for this fixed rate, low-fee loan with redraw facilities and an optional offset account.
4.09%
4.12%
$0
$0 p.a.
90%
Access a fee-free offset account and a special interest rate for investors.
3.65%
4.84%
$0
$395 p.a.
90%
Pay no application fee for this package loan, and get access to a redraw facility. Face-to-face consultations available for NSW and ACT customers.
4.14%
4.14%
$0
$0 p.a.
80%
Investors pay no application or ongoing fees on this loan from an innovative online lender.
4.09%
4.49%
$0
$395 p.a.
90%
Enjoy all the benefits of a full-featured package investment loan, including a 100% offset account.
3.97%
3.97%
$0
$0 p.a.
90%
A variable rate loan with a 100% offset account. Available with a 10% deposit.Face-to-face consultations available for NSW and ACT customers.
4.14%
4.17%
$0
$0 p.a.
80%
Investors can easily access their equity using BPAY, a debit Master Card or cheque book with this interest-only line of credit.
3.89%
4.87%
$0
$0 p.a.
90%
Borrow up to 90% of the value of the property you're buying and pay no application or ongoing fees.
3.97%
4.02%
$445
$0 p.a.
90%
Buy a home with just a 10% deposit with this variable rate loan. Face-to-face consultations available for NSW and ACT customers.
3.99%
4.86%
$0
$0 p.a.
80%
Access a fee-free 100% offset account and pay no application or ongoing fees.
3.69%
4.47%
$0
$395 p.a.
90%
A fixed rate loan with a 100% offset account and the option to make additional repayments. Loans over $150k receive a discounted rate. NSW, QLD and ACT residents only.
4.29%
4.34%
$445
$0 p.a.
80%
Variable investment loan with 100% offset account. Face-to-face consultations available for NSW and ACT customers.
4.09%
4.79%
$0
$395 p.a.
90%
Buy your investment property and set your repayments for the first year. Available with a 10% deposit. Available in QLD, NSW and ACT only.
3.69%
3.71%
$0
$0 p.a.
80%
Family guarantee option available. Enjoy flexible repayments and a low minimum loan amount.
4.29%
4.21%
$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.
4.24%
4.60%
$0
$0 p.a.
90%
Fix your investment repayments for 1 year. You can get this loan with a 10% deposit. Available in QLD, NSW and ACT only.
3.69%
4.06%
$0
$349 p.a.
90%
Package your loan with other AMP products and save on rates and fees.
4.11%
3.83%
$0
$0 p.a.
80%
Enjoy a fast application process and flexible repayment options with this fixed rate investment loan.
3.96%
3.98%
$350
$0 p.a.
90%
For a limited time, pay no application or settlement fees. You can also take advantage of a free redraw facility.
4.09%
3.79%
$0
$0 p.a.
70%
A competitive 3-year fixed rate loan with a high max insured LVR.
3.99%
4.02%
$0
$0 p.a.
80%
Investors can enjoy flexible repayment options and pay no application or ongoing fees.
3.85%
4.82%
$600
$35 monthly ($420 p.a.)
90%
Make up to $10,000 in extra repayments per year and take advantage of a flexible repayment schedule.
3.68%
3.69%
$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.
4.09%
4.12%
$0
$0 p.a.
95%
Buy a home with just a 5% deposit and get flexible repayment options and a redraw facility.
3.64%
3.78%
$0
$10 monthly ($120 p.a.)
80%
Earn Velocity Points on your mortgage (for a limited time, subject to eligibility requirements). Plus, access a 100% offset account to save on interest.
3.79%
3.80%
$0
$0 p.a.
70%
Keep your LVR at 70% or below and enjoy a special discounted rate. Also, pay no application or ongoing fees.
3.89%
4.96%
$0
$395 p.a.
95%
Refinancers can get $1,500 cashback. Conditions apply. Package your home loan with a Qantas rewards earning Amplify credit card.
3.69%
3.69%
$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.
3.99%
4.03%
$0
$0 p.a.
95%
Buy a home with just a 5% deposit and pay no application or ongoing fees.
3.89%
4.97%
$0
$395 p.a.
95%
Get discounts on a range of Commonwealth Bank products and enjoy the option of fee-free extra repayments during the fixed term.
4.39%
5.42%
$300
$10 monthly ($120 p.a.)
95%
Borrow up to 95% and lock in a 3 year fixed rate. Access your account via internet and phone banking.
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. Available for purchase or refinance.
3.59%
4.42%
$600
$0 p.a.
95%
Get a 1% discount for the first two years of your loan and pay no application or ongoing fees.
3.64%
3.65%
$0
$0 p.a.
95%
Family pledge option available. Get a special discount off Bank of Melbourne's basic variable rate.
3.89%
4.88%
$0
$395 p.a.
95%
Refinance from your existing loan and get a $1,250 rebate. Terms and conditions apply. Plus get discounts on a range of Westpac products.

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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).

Aussie is a trade mark of AHL Investments Pty Ltd. Aussie is a subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124. ©2018 AHL Investments Pty Ltd ABN 27 105 265 861 Australian Credit Licence 246786.

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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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