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We're currently making improvements to our Online Banking service.

If you registered for Online Banking prior to the 17th December 2014 it's not possible for you to activate your existing Secure Key and you will need to re-start your registration.

If you registered for Online Banking after this date, please log on to Online Banking entering your username, memorable answer and your password, from here you will be prompted to activate your Secure Key.

We apologise for any inconvenience which this delay may cause. Once you are registered, we look forward to introducing you to Online Banking, including the exciting enhancements we're working on now.

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HSBC have helped millions of people realise their ambitions and get onto, and move up, the property ladder. Properly planning for every eventuality is the best way to successfully manage your money, so don't forget to factor in these costs of moving home.

Hiring movers

The cost of hiring professional movers and packers depends on how much you need to move, how heavy it is and how many people you need to help. Alternatively, you can hire a van for yourself - these are usually charged at day rates. You'll need to take into account VAT and fuel costs for both options.

If you're hiring a moving company, make sure you have a fixed price contract so that you won't incur any extra charges, for example, if you need a heavy wardrobe carried up three flights of stairs.

Temporary storage

If you don't want to take all your things with you when you're moving house, or you're temporarily downsizing while you wait to move in to your new home, you might consider paying for temporary storage.

Many storage companies offer size estimator tools on their websites. These can help you make a more realistic estimation so you don't end up paying for space you won't use. Don't forget to factor in how long you might keep the space when you're calculating costs.

Post redirection

You'll probably want to have your post redirected to your new home to make sure you don't miss anything important. Royal Mail provides this service for three, six or 12 months.

Eating out while your kitchen equipment is in boxes

Although you might have the kettle and teabags handy, until you unpack, finding the things you need to make dinner can be almost impossible. You might need to eat out or buy ready-made food while you unpack all your utensils, food and appliances, especially if you're getting a new kitchen.

Redecorating

Whether you're planning to move in and then redecorate, or have the redecoration done before you make the move, you should plan what needs doing and factor it into the cost of buying the house. Ask a reliable builder for an assessment and quote, or price up materials if you're going to get your hands dirty yourself.

New tax and insurance bands

Your Council Tax may be higher or lower in a new area. Find out what your new Council Tax will be so you can plan for the new bill in advance. This also applies to your car and buildings and contents insurance - these can increase or decrease dramatically depending on the area.

Utility bills

Gas, electricity and water bills are a major factor in a home's running costs. They may change, depending on whether you're upsizing or downsizing your home, or moving to a different type of house.

Buying new furniture and white goods

While your furniture might be perfect for your current home, it might not fit in your new one. If things can't be dismantled and put back together again, you'll need to buy new ones - these are usually larger items such as sofas, beds and wardrobes. If you're going from renting a part-furnished place to your first owned home, you'll need to budget for extra furnishings and white goods to fit it out.

Rubbish collection

You may also need to pay for rubbish collection if you're doing a lot of work, or if the previous owners left a lot of things you don't want. This may involve a skip or paid council collection. Just make sure you get several quotes, as prices can vary quite a bit.

Changing the locks

It's good sense to change the locks on your new home once you've moved in, as you don't know who might still have a spare key. This will keep you and your belongings safe and covered by your insurance. The costs will vary according to the type of lock and how many there are.

Ground rent and service charges

If you're buying a leasehold home, you'll usually pay these charges to the freeholder or management company.

How much can I borrow?

Did you know...?
Which? estimates the cost of using a removals company for moving from a two-bedroom property at around £500 without packing and £700 with packing. (October 2017).
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