main banner

Is-There-An-Ideal-Age-To-Move-With-Kids

Is There An Ideal Age To Move With Kids?

There’s something about moving house that fills people with dread: The packing, the mortgage arrangements, finding the right house, telling the kids?! But as with so many things, the anticipation can be worse than actually taking the plunge.
 

We have a few handy suggestions to help remove some of that fear; and to help make finding the right home more manageable than you might think.

How have your priorities changed?

Since buying your first home, you might be in a slightly different place in your life. Do you have more children? A second car? Do you need an office, or a garden for the kids to play in? As a family, have an honest look at whether your home still works for you.

Work out what the non-negotiables are for a home, and what extras are on your wish list. This is handy not only for making the decision to move; but also for finding the right home for your family. Working out these priorities will ensure that you find a home that works for you, rather than being hard work. It also helps you to avoid getting swept away by nice details that will be unimportant in everyday life.

What’s coming down the line?

Could you get your home for the future, rather than waiting till you’re bursting at the seams? It’s difficult to predict what will happen down the line: Yes, you might win the lottery .or your family might even grow more than you planned! But there’s still a way to consider the future, without making wild assumptions.

 

By taking the time to think about what direction your family hopes to move in (in a gradual, non-lottery-winning way,) you can be prepared with the information you need to find the right home, and the right mortgage. If you’re planning to grow your family in the future; maybe you’d like an extra bedroom. If you’d like pets, maybe you’d like a house rather than an apartment. Getting a future-house, doesn’t have to mean somewhere that is outside your comfort zone either in terms of budget, or how long it would take to clean!

Is there a right time to move with kids?

There will always be positives and negatives to making a big move at any moment in time. The important thing is that these are weighed against each other: If you can afford the sort of home you are dreaming of; there is no point in waiting till your house is bursting at the seams, just because it would make things a little simpler if the kids were older, and could help pack. At the same time, the allure of that dream house will quickly fade, if you’re not near the right schools; or you work from home and don’t have anywhere to base yourself.

If you’re moving to a different area, there is less impact on children, the younger they are: Over the age of six, not only are they likely to have made stronger emotional bonds with friends; there may also be an increased adjustment in school, if their new class is studying different texts, or working at a different pace than they are used to. However, older children have greater understanding of what is happening (and the reasoning behind it.)

How to make the transition as smooth as possible.

Whether you are moving around the corner, or across the country; it’s important to be as open as possible with your children. Though it is vital to be understanding of their emotions, try to maintain a positive attitude about the move: Parents’ moods can greatly affect those of the children; so try not to let any anxiety rub off on them.

Involving kids in the planning as much as possible, helps them to feel like participants in the house-hunting process, rather than ‘victims’ of it. Try to take your kids to visit the new house, and explore the surrounding neighbourhood. If you’re moving further afield, get as many pictures as you can from the estate agent; and discuss how your furniture will fit in; and do research on the internet together about local places or activities they’ll enjoy. However, on moving day, it’s best that little ones stay with a friend, family member, or babysitter if possible; rather than involving them in the coming and going.

If in doubt, stick with the familiar: Avoid making big changes like toilet training or moving into a bed from a crib; and try to keep as much familiar furniture and bedding as possible for their rooms; particularly until they are settled in. Also, try to keep as much familiar routine as you can.

Ultimately…

Moving home is always going to take some concentration. But with the awareness of what you’re looking for, and a mortgage package that works for you; it doesn’t have to be as traumatic as you might have imagined! To help make things easy for you; Ulster Bank have Mobile Mortgage Managers, ready to travel to meet in a place that suits you; or a Video Chat option, so you can get your mortgage application moving, without even having to get to a branch.

Even better than this, they have a great new rates on offer for new & existing customers; so when your fixed term ends, you can choose the best deal to suit your circumstances. Plus customers will receive €1500 when they take out a mortgage with Ulster Bank, to help them pay for their legal fees.

This article is kindly sponsored by Ulster Bank, a leading provider of mortgages in Ireland. Call 1800 303 004 to discuss the mortgage that’s right for you.

Ulster Bank - Help for what matters.

Important information: Maximum Loan to Value (LTV) is 90% - varies by buyer type, see ulsterbank.ie for more details. Apply by 31 December 2017. Following mortgage drawdown €1,500 will be transferred into the customer’s current account, from which the mortgage payment is made, within two months. Mortgage offer must be issued within this period. €1,500 payment is a fixed amount and is a contribution to or a reimbursement of legal fees incurred. Excludes home movers on 10 year Tracker product, Further Advance, Negative Equity, Retentions and Transfer of Title. Includes Buy To Let. Lending criteria, terms and conditions apply. Over 18’s only. Republic of Ireland residents and properties only. Credit facilities subject to repayment capacity and financial status. Security and insurance required.


About the Author

eumom team 

Comments

Please login to leave a comment.