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THE ART OF STRESS-FREE MOVING

Who should you notify if your address has changed?


RELOCATING CAN BE daunting, and many first-time movers aren’t initially aware of the sheer number of companies and organisations that have your address on file – let alone who you need to notify of your move. Sure, you’ve got the obvious – friends, family, bank, school, work – but plenty of others need to know when your address changes.


Between packing your belongings and coordinating transport, navigating each step with as little stress as possible is crucial. But who should you notify when moving? At the onset, you might wonder who needs to be informed first.


Here are the key organisations to notify before relocating:

  • DVLA/DVSA

  • Employer

  • Pension and life insurance companies

  • Local council for Council Tax

  • Royal Mail

  • Contents and buildings insurance companies

  • Healthcare providers (doctors, opticians, dentists)

  • Banks

  • HMRC

  • TV Licensing

  • Subscription services


STAY CONNECTED WITH ROYAL MAIL REDIRECTION

Royal Mail offers a redirection service to prevent important mail from going amiss. However, all organisations listed above still need to be notified independently. Royal Mail requires at least five working days to arrange a redirection.


UPDATE YOUR INSURANCE DETAILS When you’ve relocated, inform your insurance companies to update your house and car insurance details. Consider taking out insurance to cover any potential damage during the move. Remember, sharing relocation details after exchanging contracts is best to avoid repeating the process if the deal falls through.


SMOOTH TRANSITION OF COUNCIL TAX

Your local council provides a form to complete before you move, ensuring you don’t overpay Council Tax. Contact the council in your new area to set up your new Council Tax payment plan. You can find your local council here, visit: https://www. gov.uk/find-local-council



INTERNET CONNECTIVITY DURING THE MOVE

Contact a local broadband provider to set up your new internet as early as possible before your move. If you need a temporary solution, check your mobile phone contract for tethering options, or consider purchasing temporary internet packages. Public spaces like cafés, libraries and restaurants offer free WiFi, albeit with security concerns.


SETTING UP UTILITIES IN YOUR NEW HOME

Identify your new home’s current gas and electricity suppliers and take meter readings at both your old and new homes. You may stick with the current supplier or shop around for cheaper alternatives. Don’t forget to inform your water company about your move and notify the new supplier if it changes.


SCHOOL APPLICATIONS WHEN MOVING HOME

Research schools in your new area, considering factors like distance, transport links, extracurricular activities and additional support needed for your child. Depending on the time of year, your child might have the option to start fresh in a new school year or be offered an in-year transfer. Contact your local council for more detailed information on available schools.


>> NEED HELP TO EXPLORE ALL OPTIONS AND SELECT A MORTGAGE THAT ALIGNS WITH YOUR FINANCIAL SITUATION? << Whether you’re a first-time buyer trying to understand it all or an experienced homeowner searching for an alternative deal, we are here to guide you through this complex process. We’ll provide personalised advice, helping you explore all options and select a mortgage that aligns with your financial situation and homeownership goals. To discuss your requirements, please get in touch with Omni Finance – telephone 01424 236903 – email simon.hickman@omnifinance.co.uk


THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. AS WITH ALL INSURANCE POLICIES, CONDITIONS AND EXCLUSIONS MAY APPLY. YOUR BUY-TO-LET PROPERTY MAY BE REPOSSESSED OR A RECEIVER OF RENT APPOINTED IF YOU DO NOT KEEP UP PAYMENTS ON YOUR MORTGAGE. MOST BUY-TO-LET MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY (FCA). EQUITY RELEASE MAY INVOLVE A HOME REVERSION PLAN OR LIFETIME MORTGAGE WHICH IS SECURED AGAINST YOUR PROPERTY. TO UNDERSTAND THE FEATURES AND RISKS ASK FOR A PERSONALISED ILLUSTRATION. EQUITY RELEASE REQUIRES PAYING OFF ANY EXISTING MORTGAGE. ANY MONEY RELEASED, PLUS ACCRUED INTEREST, TO BE REPAID UPON DEATH OR MOVING INTO LONG-TERM CARE. EQUITY RELEASE WILL AFFECT POTENTIAL INHERITANCE AND YOUR ENTITLEMENT TO MEANS-TESTED BENEFITS BOTH NOW AND IN THE FUTURE.


The Mortgage & Property Magazine is published quarterly for Omni Finance by Goldmine Media Limited. All enquiries should be addressed to The Editor, The Mortgage & Property Magazine, c/o Goldmine Media Limited, 124 City Road, London EC1V 2NX. Please note that The Mortgage & Property Magazine does not accept unsolicited contributions. Editorial opinions expressed in this magazine are not necessarily those of Goldmine Media Limited and Omni Finance does not accept responsibility for the advertising content. Offers and promotions may have limited availability. To discover more, visit the Omni Finance website: www.omni-finance.co.uk. All Rights Reserved 2023. The content of the articles featured in this publication is for your general information and use only and is not intended to address your particular requirements. Due to the devolved administrations of the United Kingdom, the information relates to England only except where explicitly referred to otherwise. Articles should not be relied upon in their entirety and shall not be deemed to be, or constitute, advice. Although endeavours have been made to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of any articles.


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