Coronavirus if you’re buying, selling or moving home

Written on 04/23/2020
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In England, estate agents, removal firms and conveyancers have been allowed to reopen. However, in Wales, Scotland and Northern Ireland restrictions are still in place preventing home viewings and limiting house sales.

Renters and landlords

In England, renters looking to move into a new property and landlords looking to rent out a property no longer face restrictions on advertising, viewing properties and moving.

However, this process might be more difficult than before, so everyone involved is encouraged to be flexible.

In Scotland, Wales and Northern Ireland, restrictions are still in place, so you should delay plans for moving or renting out a property until the restrictions are lifted.

If you’re a landlord, you can take advantage of the three-month mortgage payment holiday if you’re going to struggle to make mortgage repayments on your buy-to-let property.Find out more about mortgage payment holidays because of coronavirus.

If you’re currently renting and were looking to move to a new property, speak to your current landlord to see if you can extend your tenancy.

If you’ve already agreed the sale

If you’ve already agreed a sale there is no need to pull out of the transaction. However, moving house might be more difficult than usual, so everyone is encouraged to be flexible.

If the property you’re moving into is vacant, then you can still go ahead, but you should follow the government guidelines to avoid contact with other people to minimise the spread of coronavirus.

If the property is already occupied, then all parties should work together to postpone the date until after the restrictions are lifted.

UK Finance has announced all mortgage lenders are working with customers to extend mortgage offers by up to three months to allow them to move in at a later date.

Lenders will also work with you if your circumstances change during these three months, or the terms of the house purchase change significantly.

If moving home is unavoidable, you are encouraged to stay away from others to minimise the spread of coronavirus.

If your house is on the market

In England, if your house is already on the market, you can continue to advertise it and estate agents can carry out viewings under social distancing rules.

You can complete sales, however, the process, including moving house might be more difficult, so it’s important everyone involved remains flexible.

If you live in Scotland, Wales or Northern Ireland, and your house is already on the market, you can continue to advertise it.

But, as per government guidelines on social distancing, you will not be able to conduct in person viewings. If you’re using an estate agent, they might be able to offer virtual tours.

You can still accept offers on your property. However, the sale might take longer and you are encouraged to not move home at the time.

If you want to sell your home

If you want to sell your home, you will now be able to put it on the market if you live in England.

Estate agents will be able to advertise it and carry out house viewings under social distancing rules.

If you live in Scotland, Wales and Northern Ireland and want to sell your house, you will probably have to wait.Find more advice about buying, selling and moving home on the Gov.uk website.

This article is provided by the Money Advice Service.

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