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Loans for Moving House

Moving house can be an exciting milestone, but it often brings a range of unexpected costs. From paying for removal services and deposits to buying furniture or covering setup expenses, the financial pressure can build quickly. This is where a loan for moving house may offer short term support.

In this guide, we explain what moving house loans are, how they work and what to consider before deciding if this type of borrowing is right for you.

How much would you like to borrow?
Representative 79.5% Rates from 48.1% APR to 1721% APR. The minimum Loan Term is 3 months. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. Monthly Repayment of £89.22. The total amount repayable is £1605.96. Interest amounts to £570.44, an annual interest rate of 59.97% (fixed) Representative APR: 79.5% (variable). *Subject to lender approval. Cash within 60 minutes is possible, depending on whether your bank supports Faster Payments. Otherwise, funds may take 24–48 hours to arrive.

What is a loan for moving house

A loan for moving house is usually an unsecured personal loan designed to help cover the costs that come with relocating. Unlike a mortgage, it is not linked to the property. Instead, it provides flexible borrowing that can be used for a range of moving related expenses.

Whether you are moving into a new rental, downsizing, or relocating for work, this type of loan can offer quick access to funds to help manage costs during what can often be a busy and stressful time.

What can you use a moving house loan for

A moving house loan can be used to cover many of the costs that come with relocating. People often use this type of borrowing to pay for removal companies or van hire, rental deposits and upfront rent, temporary accommodation, furniture and essential household items.

It can also help manage overlapping expenses, such as paying rent and a mortgage at the same time, hiring storage space or covering professional cleaning costs before or after the move.

How much can you borrow

At Dot Dot Loans, loan amounts range from £100 to £5,000. Repayment periods are typically between three and forty eight months. The amount available to you will depend on your income, regular expenses, credit profile and affordability checks carried out by the lender.

Can you get a moving house loan with bad credit

It is possible to be considered even if you have poor credit. Lenders often look at your current financial situation and whether repayments are affordable, rather than focusing only on your credit history.

When you check eligibility through Dot Dot Loans, we use a soft search, which will not affect your credit score. If you decide to proceed with a lender, they will then carry out a full credit check before making a final decision.

Benefits of using a loan for moving costs

A loan can provide quick access to funds when moving expenses arise unexpectedly. Fixed monthly repayments help with budgeting and the loan is unsecured, so you do not need to offer any assets as security.

Spreading the cost can make larger one off payments more manageable and you can choose a repayment term that suits your circumstances.

Things to consider before applying

Before borrowing, think carefully about whether repayments will remain affordable alongside your new household bills and ongoing commitments. It is also worth checking if there are cheaper alternatives available, such as borrowing from family or using savings.

Always review the APR and the total amount repayable over the full term so you understand the overall cost of the loan. Only borrow what you genuinely need and feel confident you can repay.

Why choose Dot Dot Loans

Dot Dot Loans is a regulated credit broker that works with lenders authorised by the Financial Conduct Authority. Our service is free to use and designed to help you compare loan options safely and clearly.

We offer a simple online application, soft search eligibility checks that do not affect your credit score, access to multiple lenders in one place and transparent information so you can make informed decisions.

How to apply

Complete a short online application with your details.

We match you with loan options from FCA authorised lenders.

If you are happy to proceed, you complete the application directly with the lender.

If approved, the lender sends the funds to your bank account.

Final thoughts

Moving house often brings more costs than expected. A loan can help manage those expenses and provide short term financial breathing room, but it is important to borrow responsibly and choose repayments that fit comfortably within your budget.

Dot Dot Loans is a credit broker, not a lender. We help you find loan options from FCA authorised lenders and checking eligibility will not affect your credit score.