This is when you get the keys and embrace the joys of moving in. If you’re anything like me, this is also when you’ll realise you never want to get involved in painting again.

It doesn’t hurt to check your loan is set up the way it should be. Mistakes can and do happen because setting up a loan involves a lot of manual processing. There are numerous incidents nationwide where banks have forgotten to link accounts or apply correct interest rates to the loan, so double-checking can save you that headache.

If you have a broker, they should contact you to make sure you’re happy with the service and double-check everything is set up as planned. You should also receive welcome packs from your bank if they haven’t given them to you already. These will include necessary information about your loan.

Don't forget to pay your final bills from your old place of residence and change your mailing address. After all, there’s no point finding a good rate for your home loan if you’re going to wind up with a bad credit rating from old bills that you never received!