Why you might want to move
You might be thinking about moving because there have been changes in your circumstances. Knowing when to make a move can be difficult, but some good reasons include:
- getting in and out of your home is becoming a problem because of where it is
- you find it difficult to move around safely in your home
- you can’t manage the garden
- there are rooms you no longer use
- you want to be nearer family or friends
- you’ve been bereaved
- you no longer drive and you’re too far from the shops
- your street is becoming noisy
- you don’t feel safe
- local transport links have been reduced making it harder to get out and about
- downsizing will give you more money to live on
- you’re finding it difficult to pay the bills
- your home is expensive to maintain and repair
If you are thinking about moving, there are many options for you to consider. These include:
- downsizing to a smaller property
- moving in with family
- sheltered housing
- extra care housing
- care homes
You should think carefully, not just about what you need now but also what you might need in the future. There are important considerations, such as:
- Can you afford to move? Don’t forget to factor in removal costs and agent’s fees.
- Is the area you have chosen safe? Will it be as nice in winter as it is in summer?
- What are the local amenities? Is it close to a bank, post office or shops?
- Will you still be able to do all the things you like to do?
- Will your family and friends be able to visit you?
- Is the new home easy to run and maintain?
It’s a good idea to get advice but it should be your decision.
Options for council or housing association tenants
If you live in a council or housing association property and you want to move, ask your housing provider about the options available to you.
Tenant cash incentive scheme
Under this scheme you may be offered a cash payment to help you buy a property if you agree to give up your council or housing association home. The aim is to free up housing for people on the council waiting list. Contact your local council for details of schemes operating in your area.
Tenancy exchange schemes
These schemes help tenants to exchange homes. This can mean moving to another area or a different type of home. You register to advertise your home and look at other properties.
To apply for an exchange scheme you must:
- be free of rent arrears
- get your landlord’s permission
Your landlord doesn’t arrange the exchange. You have to contact other tenants until you find someone to exchange with.
If you want to move into sheltered housing, ask your landlord for more information about local schemes and if they can make a referral or nominate you.
Moving abroad in later life can seem tempting but you need to consider every aspect before you do, such as:
- pension arrangements
- care and support
- possible isolation from friends and family
It might be difficult to return if you need or want to later, particularly if you need help finding accommodation and care or to access benefits. See our factsheet - Moving to and returning from abroad – benefits and services - for more information.
Help with the move
Moving home is a big upheaval and might seem daunting but you can get help.
If you are going to use a removal company, you should get two or three quotes before making a decision. Check that they offer insurance if your house insurance doesn’t cover you during a move and make sure that the company belongs to a professional body like the National Guild of Removers and Storers - their members belong to the Removals Industry Ombudsman Scheme.
In addition to helping you move, removal companies may offer other services, such as:
- packing services
- storage facilities for unused furniture
- cleaning services
- disposal of unwanted goods
If you need to get rid of some things, remember:
- some charities will collect unwanted goods
- your council will collect large items
- auction companies may be interested in your antiques
- house clearance or rubbish removal companies can take away anything you can’t find a home for
Help with the costs of moving
If you are on a low income and receive Pension Credit, you may be able to get a loan to help with removal costs from your local council.
You can find contact details for your local council on gov.uk/find-your-local-council