Moving into a new house is an exciting time; however it can bring a lot of change which isn’t always easy to manage. Whether this is your first property or you have lived in a number of different properties before, there is lots of help available from Orbit and others to help you settle in to your new home.
Planning your move
Make sure you're prepared for the costs and bills you'll need to cover. These include your rent, council tax, utilities, TV licence and insurance. There may also be additional costs associated for e.g. internet or landline telephone. Have a look at the useful checklists at the links below:
It's also useful to set up a redirection service for any post that may still go to your old address and gives you more time to let others know you're address has changed. Your can pay for the the redirection service on the Royal Mail website. The Money.co.uk website has a handy change of address checklist.
If you are on a low income you may be entitled to Housing Benefit to help cover your rent. You will need to apply through your local council (see the Directgov website to find your local council's details). You may also be entitled to other housing-related benefits, such as a reduction in your council tax charges and a Discretionary Housing Payment. Eligibility can be discussed with your local council.
If you receive benefits payments through the Government's Universal Credit process, your benefits payment will include a 'Housing Cost Element'. This will not go directly to your landlord (unless there are exceptional circumstances) so you need to make arrangements to pay your rent to your landlord.
Please find useful documents if you have been affected by the under occupancy ('bedroom tax'), benefit cap or Local Housing Allowance.
Reducing your household costs
When you move home, you'll need to cover household bills (such as gas and electric) and you may need to cover costs for furniture and appliances. There are ways your can minimise these costs:
- Find money saving deals on contents insurance, appliances and more.
- Take a look at low cost broadband and computer options.
The Money Advice Service website lists lots of other ways you can reduce your costs.
More help from Orbit
If you are struggling to cover household bills, talk to Orbit. Our expert advisers can help you review your costs and work with you to find ways to make life easier. Our advisers can also make grants applications on your behalf to cover some types of costs. Get in touch and we'll get back to you.