What to do when you first move into a new property

moving in checklist for first time buyers

Moving into a new property is a whirlwind of excitement, especially if it’s your first home. You’ll be itching to unpack and personalise your space, but before you make yourself at home, there are some important bits of life admin to get out of the way.

Tasks to prioritise when you move home include updating your address with relevant organisations, registering with a GP and arranging home insurance. Ensure you are familiar with the safety features and change the locks ASAP. Also, inform utility suppliers of meter readings for accurate billing.

It can feel overwhelming, so compiling a new home checklist while you wait for your moving date is a great idea. A moving day to-do list will also help you feel in control and help make the big day a success.

In this blog, I’ll help you compile your new home checklist, including what you need to do before and on the big day itself.

If you’re still looking for your ideal first home, speak to Bliss Financial for help finding a competitive mortgage. Contact us today for a friendly chat to talk about your requirements.

Your new home checklist

Let’s get started with the less thrilling admin side of things. It’s always good to get these important things out of the way as soon as possible so you can concentrate on settling in and making your new house feel like home.

File all your important documents

House sales come with a load of paperwork, such as title deeds, an energy performance certificate, land registry documents, mortgage agreements, warranties, stamp duty certificates, and so the list goes on.

To ensure these don’t get lost in the move, file them somewhere safe, memorable and accessible.

Make sure you’re covered

It is a legal requirement to have building insurance in place when you buy a new property, which is something your mortgage broker can assist you with. Ensure that your building and contents insurance are in place before you exchange, in case you encounter any problems on the big move day.

Aside from building insurance, it’s also crucial to consider a home contents insurance policy to protect your belongings from damage or theft.

And while we’re on insurance, look into personal insurance like life and critical illness cover, which can pay your mortgage if you have health issues or an accident that prevents you from working.

Set up your bills and plan your budget

This is a meaty subject, so I’ve written a separate guide to bills for first-time buyers to help you prepare for your new financial responsibilities. In brief, your budget should include mortgage payments (obvs), gas, water, electric, council tax, insurance, mobile, broadband, licence fee, loan payments and car costs.

If you’ve used a good mortgage broker, you will have noted all of these costs as part of your mortgage application. Take this one step further and perhaps compile a spreadsheet to keep you on track.

Check utility readings

Before moving from your old home, taking meter readings is a great idea to ensure energy providers do not charge you for the next occupant’s usage. Just snap a photo of your gas, water and electric meter before you head off.

When you move into your new place, once again, note the meter readings to ensure you only pay for what you use. Once you’re more settled, do some homework on energy tariffs, as you may want to switch energy providers.

Who do I need to tell when I move house?

It can be pretty overwhelming when you stop to think of the number of companies and organisations that have your address. It’s a top priority to update them when you change address, and arrange for mail to be redirected from your old address.

Here’s a list of organisations you can’t afford to forget to inform when you move to a new home.

  • Local authority – For council tax purposes. Also, change your address on the electoral roll
  • Banks and building societies
  • Utility companies – Gas, electric and water providers.
  • Insurance companies – This is a biggie as your policy’s conditions are partly determined by your postcode. As well as personal and home insurance providers, don’t forget your car insurance policy provider.
  • Loan providers – Student loan providers, credit card companies, etc.
  • TV licencing
  • GP and other healthcare providers – Register with a new GP and dentist ASAP, as waiting times can be steep.
  • Broadband provider – Give your internet provider plenty of notice so that your TV and Wifi are up and running as soon after your moving date as possible.
  • Friends and family! – This may seem like a no-brainer, but aside from your immediate family, it’s always a great idea to let your friends and wider family know your new address in advance. Or you may wish to wait until you’re settled to deter unannounced visitors on your doorstep!

Change the locks

A bit depressing but essential. Arrange for a locksmith before your moving day to ensure it’s done as soon as possible after collecting your keys. It’s also kind of symbolic and a nice way to mark your new chapter.

Move-in day checklist

On to the more exciting prospect of the big day itself! Here are some essentials to add to your to-do list.

Decluttering, packing and unpacking

Before you start throwing things in boxes, it’s an excellent opportunity for a clear out – old clothes, electricals, books… If they no longer serve you, get rid. If you’re moving in with a partner or housemate, check to see if you have any dupes, like kitchen utensils.

Most people pack their things themselves, but you can get a moving company to do it. Spend a decent amount of time packing, as it will save you heaps of time when you get to your new place. Buy appropriate packing materials and boxes (or see if you can snaffle some from friends or for free on Facebook). Label moving boxes with contents and intended room to make things a bit easier when unpacking.

When you finally get through the doors of your new place, take a breath! Remind yourself of the space before you start unpacking. You will thank past you for labelling things so well! Unpack and place the furniture and possessions most important to you first, like your bedding, sofa, TV and other appliances.

Remember, it won’t all magically fall into place on moving day. You have plenty of time to settle in over the coming weeks. Be kind to yourself!

Safety and security first

Ensure you check and are familiar with all of the safety aspects of your new home. Check the location and functionality of the fuse box, smoke alarms and stopcock (which may be outside).

Meet the new neighbours

Some will want to get inside and close the doors until they’re settled in, but if you can’t sleep until you know who is next door, give them a knock and introduce yourself. It’s a good chance to ask any questions about the local area. If you’re planning any work on your new property, let them know so you get off on the right foot.

Keep essentials to hand

Moving days are hectic, and you don’t want to be caught short. Ensure your essentials are in a separate box and close to hand. Don’t put them in the moving van!

  • Driving licence and ID – For collecting your keys.
  • Toilet roll!
  • Kettle, mugs, milk, tea and coffee
  • Phones and chargers
  • Snacks or lunch
  • Bin bags
  • Cleaning items
  • Toiletries and medication
  • Money – Not so important today with everything on our phones, but it’s always good to have cash for emergencies.


While it’s the last thing on many people’s minds after a hard day, a bit of a clean will make you feel more at home. Spend some time getting things ‘your version’ of clean to make your first night comfortable and to ensure you burn off whatever nervous energy you have left for a good night’s sleep! You don’t have to go mad and clean every room, just the ones you’ll be using in the next day or two.

First night

Your big day has come to a close, and you are no doubt knackered! Treat yourself to a local takeaway or chuck something nice in the microwave. Pop a cork and enjoy the moment. Great job!

Need help with a first-time buyer mortgage?

At Bliss Financial, we take pride in guiding first-time buyers through the ins and outs of owning their first home. We’ll help demystify your mortgage options and take care of the application so you can focus on making your moving to-do list.

Contact us today for a friendly chat and some expert advice.


I hope that’s helped you feel calmer about moving to your new home. Moving day is very exciting, but it can also feel overwhelming. Take time to make a detailed checklist of things you need to do before, during and after the move. With a bit of preparation, you’ll be more organised, in control, and won’t forget anything important.

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Amanda Marsden

Amanda is the founder and owner of Bliss Financial. She has been helping clients with their mortgage and insurance needs for over 15 years. Her passion is to fully explore the options open to them and ensures the process is easy with no stress. She also specialises in helping clients invest in buy to let property and landlords.

Contact Amanda

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Selected from a number online because they stated that they have experience working with people from the military. This was essential given how moving on assignment often can be a negative for many banks when it comes to lending. Amanda was excellent and the process was swift and easy. We had planned to visit face to face but the process was just as high quality over zoom and phone.
Richard S.
Amanda is great, everything was explained clearly and always responsive to queries, would highly recommend.
Pavitar P.
This is my second time remortgaging through Bliss and Amanda. The service provided has made my life stress free and Amanda was thorough with her research into what deal and term would be best for me based on economic uncertainty and where I am atthis point of my life.I'd not use any other mortgage broker ✨
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Amanda was extremely knowledgeable and helpful from minute one. I am very grateful to her for diligently working within a fairly tight timeframe to identify and provide me with the right product.Her communication throughout was prompt and well-received. I look forward to using her services again.
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Excellent service. Fully deserving of 5 stars. Nothing to fault. Great communication and everything went through in time with no issues. Would highly recommend Amanda Marsden.
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Amanda was absolutely brilliant from start to finish. She helped us secure our forever home mortgageWould 100% recommend for anyone needing financial services of any kind!
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Absolutely perfect service from start to finish, no stress, no hassle can’t recommend enough. Thankyou
sarah W.
We have used Amanda for many years. She knows exactly what she is talking about and offers the best advice. I cant recommend Amanda enough if you're thinking of getting a mortgage or going through a Re-Mortgage. She reassured us throughout the whole process and was in touch every step of the way. Thank you Amanda, here's to many more years.
David J.
Amanda was amazingly helpful and made the whole process hassle free. Even when I changed my mind a few times nothing was a problem and the end result was exactly what I was looking for. I would highly recommend Amanda and the team
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We used Amanda a few years ago for our first mortgage. She was an absolute hero for us. She sat us down and explained everything thoroughly putting all out worries at ease as first time buyers. We had issues with our chain which meant our mortgage offer lapsed and Amanda was there every step of the way right through to the day we moved in. Due to remortgage in the next year or so and I will always go back to Amanda.
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Once again very helpful and prompt in helping us with remortgaging our property, highly recommended
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Amanda was absolutely brilliant from start to finish. She helped me secure my first mortgage and also helped with organising the best deals on life and home insurance for my house. Would 100% recommend for anyone needing financial services of any kind!
Nathan C.
We specifically selected Bliss as financial advisors for our mortgage, as we'd read great reviews from other first time buyers. Amanda was so welcoming and helpful, introducing us to the whole process. We actually went to her thinking we were fish out of water, and wanting to but not expecting to but for a few years, just wanting to get our heads around it. However everything felt easy, quick and well explained and we were accepted for a within approx 2 months of starting our search. Amanda has been amazing throughout the entire process - even personalising the way she presented documents to us to suit our styles (me, needing to talk everything out and my partner more graphs and charts!). Evening appointments were organised to work around our work schedules. She was in constant communication with all stakeholders, chasing things up for us and since moving, also supporting with insurances. I'd highly recommend Bliss, and specifically Amanda for any financial advisory services however particularly first time buyers, as no question feels like a silly question. For future purchases, selling, and any other financial services - we will definitely return to Bliss.
Amber B.
Great service. Professional, friendly and efficient. Amanda did a great job in advising me and then finding and securing the best mortgage to suit my situation
Ed T.
Absolutely amazing service, couldn't have received any better. Very friendly and quick at replying to all enquiries. Very understanding of our circumstances which were difficult but still got us everything we needed for our new house. Thank you again Amanda, will be recommended you to everyone who needs a mortgage broker ☺️
Stacey G.
Amanda helped us to secure our first mortgage. She was on hand for support all the way through the process and very helpful in explaining things in a more simple way to help us to understand. She kept in contact with us regularly throughout the process and really made us feel at ease. We cannot thank Amanda enough for her support and help.
Annise M.
I came across Bliss financial solutions by google search when desperately trying to find a mortgage advisor who could do the impossible (secure a DiP quickly, that met my difficult short term self employment circumstances).Amanda from Bliss has been a pleasure to work with. The perfect balance of professional and friendly, incredibly organised and certainly not deterred by a challenge. I’m really grateful for the time and effort she put into my case to allow me to secure the house I wanted within the mandated timeframe. Thank you so much Amanda and Bliss for allowing us to get our new home 💜
heather U.
I just want to say how amazing Amanda at Bliss financial is!!. My partner and I were looking at buying a shared ownership prooerty and everything started happening very quickly ... but Amanda just took over from the start and literally kept me at ease the whole way . Herprofessionalism throughout was second to none and helped with every aspect of the process. Thanks to Amanda we now have the most beautiful home and we will be forever grateful for everything she has done for us. I would 100% recommend Bliss Financial.
charlotte C.
Excellent service. Amanda really took the stress out of remortgaging for us. Highly recommended
Amy G.
Switching mortgages has always been a frustrating and time consuming experience but using Bliss made the process seamless and most importantly stress free! They were excellent and I would highly recommend their services.
Neil G.
Amanda has been totally invaluable through our first home buying journey. Always on hand to answer the hundreds of questions with her excellent knowledge and guidance.I would absolutely recommend Bliss Financial Services.
Matt D.
We have been in our new house for nearly 2 months now all thanks to Bliss Financial Solutions, Amy was amazing sorting our new mortgage out and talking us through everything we needed to know. Very smooth process with good communications. Thank you very much. 🙂
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Really excellent & supportive service from start to finish throughout mortgage process, from initial enquiry through to successful completion, friendly, knowledgeable and always happy to take time to answer any questions - great organisation.
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Very prompt and professional team. Helped us out no end! Highly recommended
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I would like to thank Bliss Financial Solutions for amazing, professional and swift responses during the process of my first home purchase.It has been an absolute pleasure each time I have met you and will 100% have no hesitation for contacting you again for future requirements and highly recommending you.
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We have recently used Amy at Bliss to help us get a mortgage. After having a stressful time at high street banks and other mortgage brokers, we contacted Amy for help. Amy was absolutely excellent and the work she does is outstanding. Amy went above and beyond and managed to find us a mortgage in a matter of days. Throughout the whole process Amy kept us up to date and managed the mortgage application seamlessly despite a stressful time with other companies. I would like to express my many thanks to Amy and the team at Bliss for being so excellent and thanks to them we now have the keys to our new home.
My experience with Bliss Financial was excellent, everyone went above and beyond. Provided the best advice and more. Our mortgage was sort with out any stress. I will continue recommending to friends a family looking for mortgage advice.
emma W.
First class customer service, highly recommend Bliss Financial Solutions LTD to anyone that values a professional, efficient and personal approach. Being first time buyer my partner and I had very limited knowledge around mortgages and all things connected. Amanda and her team went above and beyond to ensure we understood everything and provided advice when we had any questions with immediate response. Bliss financial limited we thank-you kindly for making the whole mortgage process so easy, you took all the strain off us especially need due to the birth of our daughter 3 weeks ago you made the mortgage process easy and hassle free. I will definitely be a customer for life and if there is anyway I can share your company’s profile on social media please let me know as I would love to recommend your service to others.Many thanks Melissa Hodgson, Andrew and Eloise - three very happy customers 😊
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Amy and the team were absolutely amazing! Nothing was too big. We didn't really know much about the process and Amy explained everything so we fully understood! We couldn't have done it without the team 100% would recommend to anyone! Thank you all so much ❤️
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We used Bliss to re morgage our property. Amy was absolutely fantastic, made everything feel really easy, she was clear in all her explanations, open and honest with setting expectations, and really knowledgeable. The whole process was really smooth. We also discussed life insurance which was something of a priority giving we had just had a little boy recently. Amazing service. Would highly recommend. We will definitely be using again for any future mortgage or insurance needs.
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Efficient and friendly. The team helped source the most appropriate mortgage for us at a very busy and pressured time for interest rates and timeframes. They were very helpful in expediting the completion when our solicitors were holding up proceedings. The little gift afterwards was much appreciated also. Would recommend.
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Bliss Financials was a vital part of my journey to home ownership in the UK. They always gave personalized yet professional advice and were always accessible and responsive all through the process. They were very thorough, transparent and client centered; offered and discussed all the available options to enable me make an informed choice. I would totally and wholeheartedly recommend their services and I am very grateful to Amy who handled most of the process as well as Amanda and Sophie. Great team/firm!
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I would like to praise the excellent service of the Bliss Financial Solutions LTD.I have a brilliant experience with this company. I was buying a house for the first time and Bliss Financial advised me on every step of the process (mortgage, insurance), offering me suitable options that I could choose from. I always got great offers and still was in control.All members of the team (Amy, Sophie, Amanda) are brilliant, very professional, friendly and responsive.I am very grateful to Amy (my consultant) as she did help me very much throughout the process, nothing was a problem,I received responses straight away and she also prompted other parties to act swiftly (lender, insurance companies, solicitor, etc.).If I need mortgage or insurance in future, I will definitely ask Bliss Financial for help again.
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I am now on my second mortgage which was arranged using Bliss. What an outstanding service. From start to finish the Bliss team were great in answering queries that I had. They even pushed to get me an extension to my offer seeing me secure a great rate before the recent rises. This certainly helped me secure my dream home. I would recommend Bliss to anyone who is after a professional and personable mortgage advisor.
Amanda worked extremely hard and was really efficient is securing a fixed deal for me at a time when rates were being removed across the board. I would recommend them to anyone.
Andrew M.
Excellent from start to finish. Every decision and option were made clear to us about the implications and any questions we had were answered in a timely manner, making remortgaging easier than I imagined it would be. Thank you to Bliss Financial Solutions for excellent service and attention to personal details that really made us feel like our priorities were put first. We will use again at our next remortgage and would recommend to anyone.
Melissa B.
Excellent company, fast and responsive and a professional outfitI appreciate Amy’s swift advice on a deal to secure a good rate 12hrs before the rate changed
Adam L.
What a fantastic service. I contacted Amanda via a friend recommendation. She was friendly and helpful. She passed me to Amy who was my advisor for the whole process.As a first time buyer, I was like a rabbit in the headlights. But Amy reassured me and made the whole thing a breeze, with regular contact and updates along the way.Thank you to you all.Highly recommend 😁See you when it's time to remortgage 😉
Steven R.
We have used Bliss/Amanda for a number of mortgages now and the service has always been second to none!We have had complicated financial situations that the Bliss team have used their extensive knowledge to support and ensure we receive the best product for us.We always recommend Bliss to all our friends and family!Thank you to Amanda, Amy and Sophie
Samantha B.
The staff are amazing and very helpful throughout the whole process, the rates are very competitive and the after sales service is second to none, I would highly recommend Bliss Financial to anyone.MarkAspire Property Rentals
Mark L.
Any Lyons found us an excellent mortgage deal and then helped us through a long complex legal process regarding the house. She was there for us all the way through keeping us informed and chasing up when there were delays, Thank you Amy and her team.
Ken W.
Amy has been amazing from the start of our process as first time buyers until completion. We had a few delays along the way due to waiting on a new build but Any was there to guide us through every step of the way to help us rearrange another mortgage and kept us regularly updated on the process. I have already recommended her to friends and family and wouldn’t hesitate to use her again when we remortgage.
Melissa N.
Really happy with the service from Amy and Bliss Financial Solutions - Amy made sure everything was as straight forward as possible, was super communicative and really easy to deal with. Would not hesitate to recommend them.
Rachael G.
Amanda was very helpful. Gave advice over a number of options for my situation. Many other companies didn't even bother calling me back. Will definitely go back to Bliss again in the future.
Lesley C.
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