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Moving home can certainly be stressful with all of the planning, getting your home ready, finding a new home, packing, change of address notifications, setting up new utilities and the like. We can become so busy that it's easy to forget about the impact of a move on our pets. 

If you are thinking of applying for a new mortgage, then understanding and managing your credit rating is very important. Every lender has its own process for credit rating, but almost all of them use the data held by the UK’s leading credit reference agencies – Experian, Equifax and Transunion.

Many first time buyers can experience difficulty in securing a mortgage due to not having a sufficient credit history that lenders can assess in support of their mortgage application. However, by signing up for the “Rental Exchange”, tenants can use their history of making rental payments as a way of boosting their credit file.

There are a number of costs and fees involved in buying a new property. Before starting your home search, it is helpful to prepare a detailed budget of all costs that will be incurred throughout the process. This budget will help you plan cashflow and  ensure that you have sufficient funds available to complete the purchase  

Deciding to buy a new home is one of most significant financial commitments most of us will make in our lifetime. Whether it’s a first step onto the ladder, a move to something larger or downsizing for your golden years, it can certainly seem daunting and a little stressful. 

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