Moving to a new home is always an exciting time for a family, but when you have a baby who is less than 1 year old, the experience can be quite different. Not only is it stressful doing the actual move, but it can also be stressful deciding what to buy. Here we look at buying a new house when you have a new baby, or children.
The first thing to decide is whether you need to move. If you have just had a baby and you live in a one bedroom flat, then yes, its likely you will need to move to a bigger property within the first couple of years.
The second and probably most important thing to do next is to see whether you can afford it. Moving house is expensive, remember things like solicitors bills, stamp duty and more, as well as the actual mortgage payments. Check that you have enough for these things, and make sure you figure out your mortgage payments too.
What size of house do you need? I would personally suggest going for the biggest house you an afford, if you want to stay there for a long period of time. If this is your forever home, then it needs to be able to grow with you. Don’t get me wrong, children don’t need their own rooms. Kids love to share! As they get older, you can buy bunk beds and they will have a whale of a time.
However, make sure you look at the outside space – if you can afford a garden, it will make your life easier as the kids grow up. If you are planning on pets then they will need a garden.
Moving house is a time-consuming, energy-sapping and emotional experience. You’re probably wondering how you can make the move as smooth as possible and reduce the time spent on unpacking, setting up your new home and getting back to normal life.
Moving home can be a stressful time for most people but there are some things you can do to make the process easier.
- Before you pack, make sure you have your baby’s routine sorted out. It may be a good idea to take a couple of days off work before your move so that you don’t get overwhelmed when you’re trying to get your child settled into a new routine.
- Pack up the things that they use most often such as their cot, highchair and toys. Label them clearly and get them out first (maybe after the kettle!) This will make it easier for them to feel at home in their new surroundings.
- Try not to argue/raise voices on moving day. You need to try and get them to associate the new house with laughter and fun
- If they are old enough to understand, read them stories about moving house
- Again if they are old enough, let them plan the decoration of their new room
- Once you are settled in, join parent groups in the area. Facebook is a great place to find these sorts of groups
- Think about when to move – move during school holidays
- Create a checklist of every household item you would need for the new house before the move. This will help ensure that you don’t forget anything in all your busyness and chaos.
Everyone has a different life stage and a different approach to their finances, so there is no definitive answer to this question. But in general you should buy your next home when the time is right for you and for your family. Just make sure you know you can afford it, check your affordability, and get searching! If you think you may need a little extra help, check out a government scheme called Help To Buy. If you qualify for this, it could really help. And if not, then just look at the right size houses for you. If they need a bit of work, get stuck in! It could save you a fortune.
When you have moved house, make sure you break out the bubbly! Get yourself a little hamper of goodies – chocolates, candles and personalised champagne. You can save the bottle as a memento of your big move.