What changes apply when moving home during coronavirus?

Whether you’re in an area under local lockdown restrictions or not, you can expect the following to apply as part of the “new normal” for moving home at the moment:

1. More is being done online

The process of searching for and moving into a new home is different because property agents, conveyancers and other professionals have modified how they work to reduce the risk from COVID-19.

These changes include doing more online, such as offering virtual viewings.  While these are a good initial filter of a property you want to buy, you will want to visit it in person before parting with your hard earned cash.

2. Viewings rules

With physical viewings, the government advise:

• there should be no more than 2 households inside the property at any one time. This includes any agent accompanying either party. Anyone in a support bubble with either household, however, will count as part of that household.
• Viewings in person need to be arranged by appointment only. When viewing in person, you should maintain a 2 meter distance where possible and avoid touching surfaces.
• Homeowners should keep internal doors open and clean surfaces and door handles with standard household cleaning products afterwards.
• Government advises estate agents and potential buyers/tenants on viewings to wear face masks.

3. Expect delays and be flexible

If someone in your chain has symptoms of COVID you could have to wait while they self isolate which could add delays to your home move.

Your conveyancer will be able to make sure that any contracts or agreements are as flexible as possible to accommodate this risk.

In particular, you will want to protect yourself against the likelihood of a sudden change in circumstances which could undermine your sale and/or purchase, and expose you to unexpected costs.

A “Covid Clause” within the contract offers parties the ability to exchange contracts while ensuring you are not at fault and in breach of contract, with all of the associated costs, if you are unable to complete because of a coronavirus related issue. Speak to a conveyancing solicitor for advice.

The 3 most important ways to minimise delays are:

Instructing a conveyancing solicitor as soon as you list your home or as your offer is accepted. You can compare quotes from conveyancing solicitors and speak to them about the process and costs so you’re ready to instruct them.

Getting your paperwork in order. If it’s a leasehold, find the lease. Locate certificates showing compliance with regulations of any works done from planning permissions to FENSA certificates for window replacements. Don’t forget valid guarantees a home buyer will want to see. See what documents you’ll need.

Sorting your mortgage. Many lenders and brokers are experiencing COVID related delays and mortgage choices have significantly reduced, especially for first time buyers. Avoid wasting time later down the line and start the mortgage process now.

4. Packing and moving

The government advise you do as much of the packing yourself. If you are using a removals firm or someone outside your household is helping you, then these additional rules apply:

• clean your belongings where possible before being handled
• leave doors open
• do not provide refreshments
• use separate towels or paper towels for hand washing where possible