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[M743]Moving House Cost Calculator

by Thomas Pretty, Tho

When moving house there is plenty to consider, it is not just which estate agent to choose and where you wish to move but a large part is factoring the costs involved. Realising the funds at your disposal is essential, even before you hire an estate agent. The more accurately you can estimate your finances, the easier the process of buying a new property will be.

A primary concern should be calculating how much money you can actually put towards your new home. To arrive at a figure you must take the total funds you possess and subtract the costs of moving, such as legal and estate agent fees and removal company costs. Once you have an accurate estimate of the price of moving, you will be able to surmise how much money you can put towards a new property.

Involved in this figure should be the profit you will make from the sale of your house. When coming to this figure you must make an estimate of what your house will sell for and factor in the remaining amount left on your mortgage. Thankfully finding the figure your house will sell for can be aided by a good estate agent who will be able to estimate the value of your house in comparison to similar properties on the market. At this time it is worth utilising more than one estate agent to get an average price from a range of sources. In working out the profit, you should also include your personal finances in the total figure.

Assessing the size of mortgage you can afford is also an essential part of buying property. As a general rule, your mortgage payments should be no more than a third of your monthly income after tax. The point cannot be stressed enough that you should not overstretch yourself. It is important to be wary of lenders, it cannot be expected that they will lend responsibly so the onus for responsible lending is placed upon you, the borrower. It is usually possible to borrow a sum of three to five times the size of your salary; a good figure to go for if buying as a couple is two and a half times the size of your combined annual incomes.

The actual process of selling your house will cost you money, estate agent fees are a major part of this and expect to pay between one and two and a half percent of the sale price, depending upon how well you negotiate; unfortunately VAT will be added onto this percentage. You may wish to sell your house through property websites alongside the efforts of your estate agent, remember however that some agencies will ensure you sign a selling rights agreement that ties you to their services. Auction is another option but do not expect huge profits, as a percentage applies, as does the charges for legal services.

Solicitor's fees are wide and diverse, just like the quality of services you may receive. An average figure for legal fees is around a half to one percent although this can vary depending on whether your property is freehold or leasehold, as leasehold will mean more work for your solicitor. Although it may be possible to find cheaper solicitors, it is worth remembering that any errors on the legal side of things will cost you dear when it comes to the sale of your property.

Added to these costs is the cost of removal services that should be accounted for just as much as estate agent and solicitor fees. When estimating this cost, evaluate the quantity of possessions you will be moving, whether you will be doing the packing yourself, the location of your house and the distance to your new home; all will affect the eventual price. Receiving a variety of quotes will assist in gaining an accurate figure.

Obviously there is more to moving than purely finding an estate agent and a property then relocating. Selling and buying property can be an extremely stressful experience, hence finding the most efficient, accommodating and effective services is vital. By following this advice you should be able to find the property of your dreams and have a swift and stress-free move.

They would take care of everything: putting things into boxes, moving, transporting them to your new location, and so on. All you have to do is to tell them what to do, and where to put every little thing. Unfortunately, this would cost you a considerable amount of money, and sometimes the people who will move your stuff won't be so careful and attentive with them. If something gets broken, they will not be responsible. So, what I suggest is you do it yourself. Renting a U-Haul truck and loading all your possessions into the truck is a viable option for those looking to save on moving expenses. They offer an option to rent their dolly or hand truck but it is rather expensive for renting an item that doesn't help you move everything such as very large items. Buying a variety of moving equipment such as hand trucks and carts can increase your moving costs. Not to worry, there are plenty of cost-effective solutions for moving your precious possessions from your house.

I have recently had to move, and needed something to carry all the heavy stuff, boxes and so on. So, a friend recommended a product called total trolley. What is this? Well, as a friend of mine said, it's four things in one. It's a dolly. It's a hand truck. It's a cart. It's a step ladder. It is a great product. Once you get it, you get an assembly tape, and if you follow the instructions carefully, it would take you about 10-20 minutes to put all those parts together. You get a manual and a pamphlet that will how you how you can use the trolley.

The first use is as a step ladder, it is so sturdy that you can even step on the last of the three steps. The top one is 27? off the ground and it can hold about 200 pounds. The second function is the cart mode. They suggest pulling a heavy load and pushing a light load. The trolley comes with a plastic deck, so when you have to carry small boxes or parts, they are less-likely to fall through to the ground. The package also includes two bungee cords to secure cargo to the trolley. The flexi-deck option also doubles as a shelf in step ladder mode. This is great for projects like painting or just an area to put your small tools.

The last of the modes is the hand truck or upright dolly mode. It is said to support about 150-200 pounds. Furthermore, you will also get some plastic boxes that fold flat when not used. They are great for little things and take little space to be stored. In the dolly mode you can even carry a sofa. And all with very little effort from you and without hurting your back.

So the next time you move, you can save a quite a bit by not having to hire a moving company and buying/renting a dolly. Moving is so much easier now and can finally become a more joyful experience rather than a stressful one.

Article Source : Ira Real Estate Investing

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Both Thomas Pretty & Kim Thompson - are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Thomas Pretty has sinced written about articles on various topics from Formula One, Debts Loans and Interior Design. Property expert Thomas Pretty advises movers and stresses the importance of finding the to meet your requirements.. Thomas Pretty's top article generates over 1500000 views. to your Favourites.

Kim Thompson - has sinced written about articles on various topics from . By Kim Thompson for http://www.tvproductshq.com Find time and cost-saving solutions for your household such as ,. Kim Thompson -'s top article . to your Favourites.