

Personal finance -
New year aspirations for moving home: A fresh start for 2025
The new year is a time for fresh goals, and for many, moving home is a chance to start anew. For high-net-worth individuals, the process can involve unique opportunities and challenges, blending personal aspirations with practical considerations.
Whether it is prompted by career changes, a desire to be closer to loved ones, or the pursuit of your dream lifestyle, relocating can be highly rewarding (and just a little stressful).
Here are five key steps to make your move as seamless as it can be:
1. Find the right location
The right location is more than just a postcode - it is the foundation of your lifestyle. Consider the environment that will best suit your needs, whether it’s the peace of the countryside, vibrant city living, or proximity to leading schools or your office.
Make a list of the features and amenities that are essential to the life you want to live. If you can, visit the area to get a sense of what it feels like on the ground. Book a meal in a neighbourhood restaurant and start talking to locals about what it is like to live there.
Obviously, properties in sought-after areas can have a premium price tag, but they also may be more likely to maintain or increase in value.
Explore how to choose an area to live in in my article on the essentials in considering your new location.
2. Design your ideal space
For many, the desire to move comes with the vision of shaping a home to their preferences. What kind of home resonates with your style - modern and minimalist, rustic and cozy, or something in between?
Perhaps you dream of a state-of-the-art kitchen, serene outdoor spaces, or a sustainable, energy-efficient design. Regardless of your vision, take the time to collaborate with architects or interior designers to bring it to life.
Of course, you will need to factor in the time renovations will take and how much they will cost. You may want to consider whether to fund costs from savings or integrate them into your mortgage. Speak to your private banker about your options.
3. Embrace decluttering, simplification, and protection
Moving is not just about transferring your belongings to a new address; it is a chance to streamline your life. The new year often inspires people to declutter. Use your upcoming move as a motivation to part with items that you no longer need.
For valuable items such as art, antiques, or wine collections, take the opportunity to ensure your storage and insurance are up to date.
4. Build a sense of community
In 2025, aim to connect with your new neighbourhood. Whether it is through joining local clubs, participating in community events, or simply introducing yourself to your neighbours, these small steps can make your new house feel more like a home.
Being part of a community can also provide invaluable support, especially if you are moving to a new city or region far from friends and family. If you are moving abroad, mention it to your banker. We have an international team who may be able to help you expand your network or introduce you to professional services in your new location.
5. Set practical goals and plan your finances
While it is tempting to focus on the excitement of moving, practical aspirations are just as important. Create a detailed timeline to reduce stress and ensure everything goes smoothly. Make it a goal to stay organised throughout the process by breaking it down into bite size chunks, from packing and hiring removals to updating your address and utilities.
And whether you are funding the move through bonuses, liquidated investments, or other assets, a private banker can offer guidance on structuring your finances, managing currency risks, and choosing efficient borrowing strategies.
6. Embrace the opportunity for personal growth
Finally, moving home can be an opportunity for personal growth. A new environment often brings with it new challenges, but it also opens the door for new experiences and opportunities. Whether it is learning more about the local culture, picking up new hobbies, or pushing yourself out of your comfort zone, moving can be a catalyst for growth.
As the new year begins, the prospect of moving home holds the promise of a fresh start. By setting thoughtful aspirations, you can turn this move into not just a logistical change, but a meaningful step forward in your life’s journey.
For any big life events, reach out to us. A private banker can help streamline the process, offering tailored solutions, and connecting you with trusted advisers, so you can focus on the excitement of your new chapter.
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Author -

James Hilton
Regulated Mortgage Adviser
James Hilton is a Regulated Mortgage Adviser and has been at Arbuthnot Latham for five years. He has thirty-five years’ experience in finance and specialises in advising clients on purchasing their residential properties.