House moving and finance experts share savvy ways to ease the financial strain for people moving home.

The cost of moving house has hit a record high, putting additional strain on homeowners already struggling with the cost of living.

So how do you keep the costs to a minimum? Here’s the experts’ advice…

1. Don’t just compare quotes

The experts recommend getting three quotes for each of the services you’ll need to use, including legal, estate agent, survey and removal fees. But while it’s vital to compare quotes, perhaps using a comparison site, remember that using the cheapest might not always be the best idea.

“Check customer reviews as well as prices,” advises Houghton.

“Cheap fees can turn out to be more expensive in the long-run if the service level is poor – particularly if a transaction is part of a chain where small delays can have a significant knock-on effect,” he says.

2. Negotiate estate agent fees

Kerr recommends approaching three agents, and advises: “Ask them to carry out a home visit so you can get an understanding of their valuation and a feel for whether you can work with them. But remember to then negotiate the price.”

3. Shop around for the best deals

Many estate agents will suggest you use a particular solicitor or mortgage broker, but Kerr warns: “Don’t just accept your estate agent’s recommendation for a conveyancing solicitor or a mortgage broker – they may be earning commission on this introduction and their suggestion may not be the best deal or best suit your needs.

“By all means get a quote, but always shop around.”

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4. Arrange an in-person removals survey

Although a virtual removals survey can save time and money if it’s for a small property or you’re only moving a few items, Houghton advises that in most cases, particularly if you have a shed, garage or loft, a physical visit is advisable to assess the volume of your belongings and ensure you have the lorry space you need on the day.

He points out: “Some removals firms may offer discounts for OAPs, students, key workers or members of the armed forces, so it’s always worth asking.”

5. Check out possible extra removals charges

Some removals firms may charge extra for certain things, such as multiple flights of stairs, difficult parking or delays on moving day waiting for keys, says Kerr. She advises movers to ask what could trigger extra charges, and points out: “Knowing this upfront helps you avoid surprise costs on the day.”

6. Avoid moving at peak times

The time of year and day you move can affect how much you shell out, and Kerr explains: “Demand drives cost. August is consistently the busiest month to move, and Fridays are the most popular day of the week. Removal firms say delays are much more likely on these busy days, which can mean paying more for the team’s time.”

She says if movers can choose a quieter mid-week date they’re more likely to get a lower quote and a smoother move, and recommends this guide on pinpointing the best day to move.

Houghton adds: “Costs for removals rise during busy periods such as school holidays. If you can move mid-week or during quieter periods such as early New Year, you’re more likely to get a good deal.”

7. Declutter to save money

The fewer possessions you want to move with you, the cheaper it will be, both experts stress, advising movers to start clearing out early so the volume the removals firms quote for is the volume you actually move.

“The fewer belongings you move, the less you pay,” says Houghton. “Declutter well in advance, selling, donating or recycling anything you no longer need.”

And Kerr adds: “The earlier you begin clearing out, making trips to the tip, and packing up the things you don’t use every day, the more control you’ll have. A lighter, well-planned move is almost always a cheaper move.”