Moving house? Save time, cut costs and stay in control

Moving doesn't have to be chaotic or costly. With the right plan - and a Discovery Bank Home Loan behind you - you can stay in control, save money and make your move a whole lot smoother.
Moving into a new home is an exciting milestone but it often comes with tight timelines, unexpected costs and plenty of admin.
The good news? A little planning goes a long way. Whether you're buying your first home or upgrading, these simple, practical hacks can help you move smarter.
1. Start early: Planning is your biggest cost-saver
Last-minute decisions often cost more. Booking moving services early, for example, can be significantly cheaper than peak-period pricing (month-end when everyone is moving). Save yourself time and money by not procrastinating the planning! Instead, create a moving timeline as soon as your offer is accepted. Break it down into weekly tasks like:
- Finding and booking movers
- Packing room by room
- Notifying your service providers
- Updating your address
2. Declutter before you pack
Don't pay to move things you don't need. Moving is the perfect opportunity to simplify your space. Go room by room and decide what to keep, sell, donate or throw away. Selling unused furniture or appliances can even help offset moving costs - and reduce what you need to transport.
3. Compare quotes - don't just take the first option
Moving costs can vary widely depending on timing, distance and services included. For example, two moving companies may quote similar base prices - but one may charge extra for stairs, fuel or packaging materials. Always compare the full cost.
Get at least two to three quotes and check:
- What's included (packing, wrapping, insurance)
- Hourly rates versus fixed or package rates
- Weekend or month-end surcharges
When you move can impact both cost and convenience:
- Mid-month moves are often cheaper than month-end.
- Weekday moves can cost less than weekends.
- Avoid peak holiday periods where possible.
Demand drives pricing - and flexibility can save you money. So time your move strategically!
4. Pack smart to avoid damage and delays
Packing isn't just about fitting everything into boxes - it's about protecting your belongings and making unpacking easier. Consider these tips:
- Label every box clearly, by room.
- Use towels and clothing to wrap fragile items. Make sure they fit snugly without room to roll around. If in doubt - double-wrap!
- Keep essentials - like valuable documents, device chargers and adaptors, medications and toiletries - separate.
- Take photos of how electronics are set up before disconnecting them - this can make reassembly much easier.
5. Plan for the hidden costs of moving
Beyond moving trucks and boxes, there are often additional costs to consider. Budget for these if they might apply:
- Cleaning services
- Minor repairs or touch-ups
- Utility deposits or connection fees
- Short-term storage, if there's a gap between moving out and moving in. Storage costs can quickly add up if not planned for.
How your home loan can support your move
Moving often comes with additional expenses - and your home loan can play a role in managing them. With a Discovery Bank Home Loan, you can:
- Switch your existing bond and potentially access additional funds
- Refinance your property to unlock value for major expenses like moving or renovations
- Benefit from personalised rates and up to a 1% interest rate discount for qualifying clients
This flexibility can help make big transitions more manageable.
Promotion: Exclusive offer to switch before 30 June 2026 and get 100% off your bond registration fee

Move smarter, not harder
Change can be challenging, but moving doesn't have to be overwhelming or costly. With the right planning and a solid financial foundation from the start, your move becomes more than a milestone - it sets you up for what's next!
- This article is meant only as information and should not be taken as financial advice. For tailored advice, please contact your financial adviser.
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