Tips for relocating from city to country
You may well have decided that now is the time to up sticks and move out of the city and reside in a more tranquil environment in the countryside. Perhaps this is why you have applied for a bridging loan, or are considering applying for one in the not-too-distant future in order to bridge the gap between receiving the funds for the city property you are currently living in up for sale, and so you can still be able to put down a deposit and buy that much-longed-for home in the country. If you are still in the process of looking for a brand new home in a quieter place elsewhere, we’ve put together a guide things you should take into consideration when looking for a place in the country, as the last thing you want to do is to make a very costly mistake.
Know what you can afford
Don’t get too caught up in the excitement of leaving the chaos of the city- the ram-packed commute, high pollution levels and extremely busy streets- and forget what it is you can actually afford elsewhere. After all, the point of leaving the city life is surely to improve your quality of life. Consequently, be clear before starting the house hunt on what it is exactly you can afford to buy. It is recommended that you consult the services of estate agents of the home you currently have in order to get accurate valuations of your home.
You should also look at speaking with other mortgage brokers (from different companies) about what you can buy in the country realistically speaking, by taking into account not only your household earnings but also what you would also make from the sale of your existing home. If you find yourself in a situation where you think you may not be able to receive your mortgage in time (for example, you have found a dream home at auction, and your current house has as of yet not been sold) then this is also the time to look at respectable bridging loan companies who may be able to help you in the short-term.
It goes without saying that whatever town or village you decide to pick, it is one that is practical for you. This means taking into consideration things as whether or not the place has good transport connections so that you can easily get to work, whether it has good shopping facilities, as well as how well it does for social activities (think gym, restaurants or pubs). Another thing to remember is to check how good broadband connection is. As so many of us are increasingly reliant on all things technology, it could end up becoming a nightmare staying connected in a small desolate village.
Research the schools
Perhaps one of the main reasons that you are considering moving is because you have children, and some of the local schools you have looked at in the countryside have wowed you with their amazing Ofsted inspection reviews. This is all well and good, but you should verify with the individual schools in question or contact the local council in order to make sure it is actually possible for your kids to be enrolled there. Don’t assume automatically that it will be the case that they will be able to go there purely because of where you will be situated, this is because not all counties across the UK will have exactly the same catchment-area requirements.
This relates reasonably strongly to the practicality category. If you are addicted to the urban life and are obsessed with all the things associated with it, then don’t fool yourself that you are going to be super happy deciding to move to the middle of nowhere, as you are going to sorely miss all the things you have become accustomed to. Nevertheless, if you are still dead set on moving outside the city take into consideration the following:
- Where exactly do your friends and family live, do you want to live near them and see them regularly? If you do, would this be feasible in the area that you have chosen, or would it be easy for others to reach you?
- Where do you work, and how long are you willing to commute for? take into account not just the long summer days and nights, but also the freezing cold winter months too
- What are your hobbies? Will you still be able to do those things in the area that you have chosen?
Think about others
If it is not just you who will be making the move from the city to the country, then you should take into consideration your partner or children into these plans for the future.
Try before you buy
Perhaps despite considering all of the above points, a part of you (or potentially others who would be settling for life in the country with you too) is a little hesitant still about upping sticks, but yet you still can’t let the idea go. In this scenario, it may well be worth trying before you buy. What we mean by that is, is deciding to rent a house in the area you are looking at purchasing a property in for a few weeks, maybe months, and then making your final decision afterwards. Or you could decide to get an Airbnb for just a week. Whichever choice you make, it may help to quell fears and make you far surer about the ultimate decision you make.