It is not difficult to see why you may be considering making a move to New Zealand. This is a country that has a lot to offer. Plus, as it is only a short journey from Australia, you can go back home to see your family on a regular basis. At Chess Moving, we can assist you in moving all of your belongings to New Zealand in the most affordable and efficient way. However, before you call us to discuss your needs, continue reading to find out everything you should know regarding making a move from New Zealand from Australia.
Moving to New Zealand
Start by getting your finances right
There is only one place to begin, and this is with getting the financial side of things wrong. This is a mistake that a lot of people make. They end up running out of money because they have totally undervalued the finances that they are going to need to move to another destination. This is especially important if you do not have a job lined up. If this is the case, it is always recommended that you make sure you have enough money to live for six months without any work. This should give you ample time to find a new job in the place you have moved to. Not only this but make sure that your budget contains every possible expense, no matter how big or small.
Selling your home in Australia
If you are selling your home, you want to give yourself the best chance of a quick sale at the asking price. You also want to make sure that there is minimal hassle along the way. We have some top tips to help you out.
Getting your home ready for viewings
- Put personal items away - The first thing you need to do is get rid of all personal items. Of course, you don’t need to throw them away, but make sure that they are out of sight. If the viewer sees family photographs splattered across the house, they will struggle to imagine it as their home.
- Make small rooms appear bigger - If you have any rooms that are particularly small, there are different tricks you can use to make them appear bigger. For example, in a living room or bedroom, place a large mirror on the wall, as this will open up the space, making it look larger and more welcoming. Here are some great bathroom space saving tips.
- Give your garden some TLC - Your garden is often the first thing people see when they approach your house. First impressions count, so make sure your garden is neat and tidy.
- Get the professionals in - A professional deep-clean is money well spent. This will include all areas, including underneath the sofa, shower doors, and your oven. It will make a massive difference, breathing life into your home, and it is often a lot cheaper than people realise.
- De-clutter - Don’t wait until the day you move out until you have a big clear-out; do it before you welcome your first viewer. Nothing looks worse than clutter!
Important steps to take
- Get pre-approved for your new mortgage - Don’t dive right in without knowing how much you can afford to spend on your new home, if you are indeed buying another property. Getting pre-approved for a mortgage is especially important if there have been changes to your financial situation.
- Revisit your will - Selling a property may mean that you need to revisit your will, especially if this is not the only property you own. This is where estate planning services come in handy. You can ensure that your will is constructed properly and that everything is divided how you want it to be.
- Try to coordinate closing dates - You could have a nightmare on your hands if you do not attempt to coordinate closing dates. It is advisable to choose a long closing, for instance, 60 days or more. This will give you enough time to move into somewhere new.
- Re-direct your mail - Last but not least, it is important to re-direct your mail from your old property to your new one. You don’t want your buyers to get their hands on information such as your banking details. A re-direction service will give you enough time to officially change your address everywhere.
So there you have it; everything you need to do when selling your home, from getting the property ready for viewers to ensuring your mail comes to the right place!
Mistake to avoid - Spending too much money in the first few weeks
This is a very easy trap to fall into. After all, it is an exciting time in your life and so you can easily get carried away. Before you know it, your bank account is looking depleted and you’re exhausted. It is important to remember that you have moved here – you are not on a two-week holiday; you have time on your side. You can easily do things in the future or buy non-essentials for your home at a later date. Plus, while we are on the subject, treating your new life as a holiday is another big mistake that you need to avoid. Don’t fall into the trap of spending money daily on watersports and other activities that are meant to be a one-off thing. Also, would you spend each and every day at the pub if you were in your home country? That’s for holidays, not for life.
Take out health insurance
Do not worry about healthcare when you get there. This is something that you need to have organised before you leave. What would happen if you were to fall ill on the plane? Or, if you were to hurt yourself in your first few days? It happens a lot more often than you would realise. The last thing you want to do is kick off your holiday with an expensive medical bill. Make sure you do considerable research beforehand so you can find out everything you need to know about the local hospitals and medical centres, including the quality of care and the registration process. You also need to discover whether medical care is free for expats or whether you will need to pay for it.
Connect with people before you move
Thanks to the Internet, it is easier to find out information and connect with new people than it ever has been. This is something you should use to your advantage, as it is going to make your move a lot easier. There are lots of forums online, including those that are specifically dedicated to expats in certain countries and certain regions. Establish yourself on these forums and start talking to people. You will find plenty of useful tips and answers to questions you didn’t even know you had. It is worth looking for Facebook groups of a similar nature as well, as these can be extremely helpful.
Finding a new home in New Zealand
No matter whether you are looking for a studio flat in Wellington or a spacious three-bedroom house in Pokeno, there is a lot to consider.
Rent first - It is always a good idea to rent for a few months before you buy a property in a new location. This will give you a feel for what the area is like, as well as the different types of properties that are available in your new location. If you move abroad and you feel like the property isn’t right for you, you can easily make a switch when renting. Of course, it is not that easy when it comes to buying. Renting gives you a bit more flexibility so you can then adapt and make a better purchasing decision.
Check out the building contractor when buying a new property – If you are interested in a new build, make sure you check out the building contractor first to make sure they have a good reputation. Do not assume that you are going to get the same service standards as you would in your home country. Some developers have a reputation for delivering their properties way past the projected completion date. This is something that happens in a lot of countries, so you do need to be prepared to rent for a couple of months until your property is ready. Needless to say, you won’t want to go for a development company that has a poor reputation in terms of build quality. You will also want to avoid any firm that has a habit of going off plan and delivering things you didn’t want / leaving out things you did want to be included.
When you’re ready to buy a home, here are some mistakes to avoid…
- Being shy – Don’t be afraid to ask questions. This is going to be one of the biggest investments you ever make. You shouldn’t feel bad about asking question after question. After all, it’s a massive commitment you are making.
- Skipping the home inspection – A lot of people skip the home inspection in an attempt to save money. They simply decide to inspect the home themselves. However, it takes a trained eye to see any issues that exist within a home. The inspection is so important, as it will ensure you don’t end up with a nightmare scenario on your hands when you move in. Moreover, you can often use the findings of the survey to negotiate a lower price, so a survey may actually save you money in the end.
- Not double-checking the fees – It is important to check the fees with a magnifying glass. Mistakes are easily made, and the last thing you want to do is end up paying even more money for your new home.
- Not thinking about the future – Of course, you cannot predict the future, but it is important to think about it now so you can avoid any unpleasant surprises down the road. Ask questions like; have property values in the area been declining? If there is a lot of undeveloped land, ask what is going to be built there.
- Underestimating the total cost – This is one of the biggest mistakes first-time homebuyers make. You find an affordable new property, you save the money for the deposit and you have enough for the monthly mortgage payments, and you assume that everything is fine. However, there are many more costs you need to think about. This includes costs during the buying process like legal fees and the cost of a home inspection. You then have ongoing expenses such as insurance and property maintenance. They always say that you should set aside 10% of the home’s value for all of these added costs.
- Choosing the wrong mortgage – Nowadays, there are so many different mortgage options, which can make it difficult to know where to start. The last thing you should do is rush into choosing a mortgage without thoroughly understanding it. A lot of mortgages seem great in the beginning because the prices are lower, but these rates can easily rise if the mortgage is a variable one. It may be worth going for a fixed mortgage. Yes, you may pay slightly more, but you will have greater control of your money, as you will know exactly what you are paying every month. This means that there will be no nasty surprises later down the line.
- Making home insurance an afterthought – One condition of your lender’s agreement will usually be to get buildings insurance. This is an insurance policy that will cover the bricks and mortar of your new property. You should not have to purchase this from the lender directly, though, so do keep this in mind. It is also important to get contents cover included as well. This will cover your belongings to make sure you are protected from any damage or loss that occurs while your goods are in transit, so long as you use a professional removal company.
- Ending up with nowhere to live – This nightmare scenario happens more often than you would think. The solicitor tells you that the contracts will be exchanged very soon, so you give your landlord the month’s notice. You then discover that there is a hold-up and the contracts aren’t going to be ready as quickly as you imagined. This results in a few months of sleeping on your parent’s sofa. Not ideal!
- End up paying both rent and a mortgage – The opposite from the former point is when you leave it too late to hand in your notice. Make sure you are aware of how much notice you need to give to your landlord. You may find that your contract asks for two or three months notice rather than the typical one-month notice period.
- Telling everyone that you are buying a new home – While it can be very tempting to shout it from the rooftops and tell everyone that you come into contact with, it is usually better to only tell your close family and friends. This is because most deals usually experience delays at some point, and it can be very frustrating when everyone keeps asking you about your new property.
- Compromising on the important things – When you start out on your home buying journey, it is likely that you will have made a list of all of the things you are not going to compromise on. If you have not done this yet, you should. Make sure you never compromise on the things you have written down. There may reach a point in your journey where you are tempted to. You could, for example, fall in love with a stunning two-bedroom house. But if you are planning on starting a family in the near future and want three bedrooms, you are going to have to let this property go.
- Skipping mortgage qualification – It is important to get pre-approved for a loan before you make an offer on a home. A lot of people assume that they will be given a loan of ‘x’ amount once they work out what they can afford. But what the bank is willing to offer you may be completely different. This is why it is important to get the loan pre-approved first to make sure you don’t waste everyone’s time.
- Not knowing what you can afford – Another mistake is simply not knowing what you can afford. Don’t dive into the buying process headfirst because you are excited. You need to sit down and work out your finances. Make sure your calculations are realistic. If you deduct your expenses from your income, and believe the leftover amount is what you can afford to pay every month, you will be in for a big surprise. You need to cover living expenses and make sure you have some cash leftover for the nasty surprises life likes to throw our way from time-to-time.
- Mistaking the lender valuation for a survey – As mentioned earlier, the importance of getting a home inspection survey cannot be overlooked. It is vital to stress that this is not the same as the lender’s valuation. When the mortgage lender carries out a valuation, they are only checking to determine if the property is adequate value for the loan in question. You need to pay for your own survey to find out if anything is wrong with the property.
- Overlooking your credit report – Last but not least, it is critical to keep an eye on your credit report before you start searching for your home. If your credit score is bad, there is no point in applying for a mortgage now. You should improve your credit rating first. There are a number of ways you can do this, from ensuring all personal information is correct to paying off your credit cards.
Moving to NZ with children and pets
Moving home can be stressful at any time. But when you add children and pets to the mix, it becomes even more stressful. While we all love our little ones, they do seem to have a habit of causing mayhem at the most inconvenient moments. The key to getting around this is to carefully plan your move in advance. With that being said, read on to discover some great tips for anyone that is moving home and has children.
Include them – Kids just like to feel like they are included. One of the best ways you can make sure the move goes as smoothly as possible is to make them feel like they are included. Ask them to make small decisions, for example, where the kettle or toaster is going to go. These are tiny decisions on the grand scheme of things, but they can make your child feel important.
Organise professional help – Your to-do list is probably already bursting at the seams. Trying to do everything yourself is admirable, but calling in professional help is best, especially when you have kids. You can use a service like Chess Moving, which is affordable, so you do not need to spend a fortune on this service. We will package all of your belongings for you, or provide you with the materials if you wish to do so yourself. Either way, knowing that someone else is going to take are of moving all of your things means you can focus on keeping your kids occupied while they do so, rather than tripping over one of their toys while carrying a box of your favourite glassware because you have been trying to do everything at once. Your pets should be kept in one room and make it the last room to be moved.
Unpack their belongings first – It can be very tempting to unpack their things last because you want to keep your new place as tidy as possible. However, it is vital for helping children to accept your new property as their home, plus their toys will be a necessity in terms of keeping them occupied while you get on with all of the other tasks that come with moving house.
Ask your family for help – If you have young children, it may be better if you can ask a family member to look after them for the day, so you can get sorted with packing and moving. Your child may be reluctant to miss out on everything that is going on, but you can always pick them up before you ‘officially’ move. Let them open the front door and walk in together, and they won’t feel like they have missed out at all.
Try to avoid going back to Australia in the first year
While it can be tempting to take a holiday back to your home country so that you can see friends and family, this can be very unsettling. The best thing to do is to avoid visiting your home country for the first year. Make sure you are fully settled in before you take a trip back. People can always come and visit you throughout the first year instead.
On the week of your move
If you are moving home, it is easy to assume that the process is meant to be stressful. After all, packing up boxes and unpacking them again isn’t exactly a lot of fun, is it? However, moving does not need to be as stressful as it seems. With that in mind, read on to discover some useful tips on eliminating stress when relocating…
Have a plan – There is only one place to begin, and this is with putting a plan together. It is not as simple as merely shoving your things into a few bags and setting on your way. You need to make a list of all of the things you need do before moving into your new home, from the packaging materials you need to buy to changing your address with your bank and other service providers.
Put together an emergency kit – It is a good idea to put together an emergency box that has everything you are going to need on your first night. After all, when you arrive at your new place, it is unlikely that you are going to want to go through ten boxes just to find your pyjamas.
Enlist some professional help – Trying to manage the load of moving by yourself can be a big weight to burden. Seeking professional help comes highly advised. Experts will be able to package your belongings for you. They will use the right materials based on what is being packaged up and they will ensure the van is loaded properly so that there is not any damage. Plus, if anything was to go wrong, companies like Chess Moving. will have insurance in place to cover it. Trying to manage everything yourself is not only a lot of work, but it is also a risk too.
Take advantage of a postal redirect service – Even though you have called up your service providers and changed your address, it can take a number of working days for these businesses to process that information. You do not want to risk your personal information getting into the wrong hands, so you should take advantage of a postal redirect service. This is something you can sign up to for a number of months, meaning any post addressed to you and your old address will be re-routed to your new place.
Dispose of the clutter – Before you start packing, you need to sort out all of your belongings. Simply taking clutter from one place to the next is never a good way to go about it. Take the time to organise all of your belongings and get rid of the things you don’t need.
If you follow the tips that have been provided, you can eliminate the stress from moving day. From enlisting professional help to having a plan, a few little things can make a massive difference when relocating to a new place.
Moving to New Zealand: Start with Chess Moving
We hope that you have found all of the information that you require in this guide when it comes to making the move to New Zealand. One thing is for definite, you need to find the best removal business to help you with such an important move. Simply give us a call today at Chess Moving and we will be more than happy to assist you in any way we can. From your furniture and cars to your beloved pets, we can make certain that everything you need for your new life is set-up in an affordable and efficient manner.