Congratulations – the place is yours! Now all you have to do is move in.
Although moving house is often described as one of life’s most stressful experiences, it doesn’t have to be, especially if you’re organised and start planning early.
The first thing you need to work out is whether you want to handle the move yourself or call in professionals. If you’re considering moving yourself, here are some things to think about:
There are some horror stories about removalists out there, so the first thing to do is ask around. Speak to friends and relatives who’ve been through the experience for any recommendations.
One of the best ways to pay off your mortgage early is to make weekly or fortnightly repayments rather than monthly. This means you make an extra repayment a year, reducing the term of the loan if you do not redraw the additional funds.
If interest rates go down, many borrowers choose to leave their repayment at the same level. This can effectively help repay your mortgage faster.
Money you hold in an offset account (normally a transaction account), is offset daily against your outstanding loan balance, which could reduce the interest payable.
Instead of credit cards and personal loans at high interest rates, consider consolidating several debts into your home loan – the interest payable is usually considerably lower. But remember, while the interest rate is lower, the loan term is usually longer and may result in a higher total interest payment over the life of the loan. Check whether this is appropriate for you.
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