01789201914 enquiries@capc.uk.com

How to decide where to live

Choosing where to settle down and call home is one of the biggest decisions to make.

You might already know what area you want to live in and it’s just a matter of finding the right house. However, if you’re wanting to relocate to a new area then you have a few more decisions to make.

It ultimately comes down to where your priorities lie. Think about what’s important to you and this should help you come up with a list of necessities which will help you move forward and start viewing properties in those areas that could be right for you.

Proximity to friends and family

For some people, the most important thing is to be close to friends and family. This can be really handy if you have a young family as they can help out with childcare and be there for emergency situations.

Work opportunities and commute

You might want to look at what job opportunities there are in the area in your line of work. This might be particularly important if you’re young and are therefore likely to change jobs.

Also, how long would the commute be? Will it mean spending over an hour and a half in your car stuck in traffic each day, or do you have the option to cycle or walk to work if you want to?


Reputable schools

There tends to be a correlation that where schools have a good reputation, the property prices are higher, as there is more demand to live in the area. So it’s worth considering how high up this is on your list of priorities.


How close do you want to be to the motorway, train station or bus stops? This may be a priority if you’re downsizing and looking to retire soon, as living near a bus stop with a regular service will help get you from A to B.

Where can you afford?

The cost of living differs from one region to another. Therefore, depending on the area you’re looking to move to, you can get more or less for your money. For instance, what might buy you a four-bedroom detached house in the north may only get you a one-bed flat in the south of England.

Local amenities

You might not mind being far away from local shops, restaurants, leisure centres etc. if you drive. However, you might want to be closer to them if you’re relying on public transport or are less mobile yourself.

Lively or laid back?

Do you like the hustle and bustle of city life, or do you enjoy sitting back and enjoying the quiet life? Making your mind up between the two can help discount a lot of areas, as you can split locations up between the city centre, suburbs, small towns, villages, the countryside etc..

Going through this list is a great place to start as you can prioritise your preferences which can help narrow down your search.

A word of advice: think about your next move carefully. How long do you plan on living there for and what changes might happen during this time? For instance, you might not have children now but if that’s the plan for when you move, then you might want to consider being close to family and local schools. On the other hand, if you’re looking to retire soon and want to downsize, then you might want to live in a quieter area that is flat, and ideally on a bus route.

Hopefully, this will make the thought of moving less daunting as you’ll be approaching it from a practical point of view, helping you concentrate on what’s important to you.

Speaking with a mortgage adviser can help you establish how much money you’re able to borrow, which then might help you determine where to move to and what sort of property you can afford in this area.


For further information call: 01789 201 914

Or email: enquiries@capc.uk.com


Submit a Comment

Your email address will not be published. Required fields are marked *

Contact our expert advisers now

Call free from landline or mobile


Not the right time for a call? Email us and we can arrange a good time to discuss your needs


Mortgage Blogs

What Protection Should I Consider When Getting A Mortgage?

What protection should i consider when getting a mortgage?   For most people, the biggest expense in life will be the mortgage for their house, so it makes sense that you think about getting protection in case you need help to pay your mortgage at some point in...

What Is a Mortgage In Principle

What is a ‘Mortgage in Principle’?  When you are in the early stages of applying for a mortgage, you may come across a number of terms that you are not familiar with or that you do not fully understand. The term ‘Mortgage in Principle’, sometimes referred to as a...

How To Get A Credit Score For Free

How to Get a Credit Score for Free  There are certain times when it is important to have a good idea of how your financial background will be regarded by potential lenders, for instance, when you are applying for credit and particularly if you are applying for a...

Does Gambling affect my mortgage application?

Does gambling affect your mortgage application?  Applying for a mortgage is a process that will involve heavy scrutiny of your financial history and current income and expenditure. A house mortgage is probably the biggest loan you will ever take out, so banks will do...

A Guide to Residential Mortgages

What is a residential mortgage   A residential mortgage is a loan of finance that enables someone to acquire a house to live in. The mortgage will usually be provided by a bank or building society, with a term agreed over which to pay back the loan. The amount...

The Ultimate Mortgage Guide

Are you planning to get a mortgage, but don’t know where to start? This ultimate guide to mortgages will tell you everything you need to know to secure yourself a mortgage.

7 Ways To Fall Back In Love With Your Home

Every now and then, everyone needs a little pick me up, including your home. Over the years, scuffs and scrapes can make a house look untidy and you can soon fall out of love with your home, which becomes a place just to rest your head, rather than a space to relax...

Your home may be repossessed if you do not keep up repayments on your mortgage.

There will be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances and loan amount. The fee is up to 1.5%, but a typical fee is 0.67% of the amount borrowed.

©2019 |CAPC is a trading name of Christopher Allen Private Clients Limited which is an appointed representative of Mortgage Advice Bureau Limited and Mortgage Advice Bureau (Derby) Limited which are authorised and regulated by the financial conduct authority.

Christopher Allen Private Clients Limited. Registered Office: 7 Arrow Court, Adams Way, Alcester, Warwickshire, B49 6PU. Registered in England Number:08820469

We use cookies on this website to give you the best experience we can. To find out how to turn off cookies, have a look at our privacy & cookies policy