Post Settlement Checks

Congratulations on your new home. After completing the purchase of a residential property in Scotland, there are several important checks and practical tasks to carry out to ensure everything is in order and to help you settle in smoothly.

1. Check Key Systems

Most Scottish property contracts include a five-working-day period after the date of settlement for you to check that all key systems are functioning properly. This includes central heating, hot water and electrical systems. These should be working in line with their age and type.

If any system is not working and the cost of repair exceeds £500, you may be entitled to recover some of the cost from the seller. If you encounter any issues, contact your solicitor promptly.

2. Council Tax

Notify the local council that you have moved into the property so your Council Tax records can be updated. This helps avoid any delays or errors with your account.

3. Utilities, Mail and Services

There are several essential steps to complete shortly after moving in:

• Contact your gas, electricity, water, broadband and TV suppliers to set up accounts in your name.
• Take meter readings on the day you take possession of the property and provide these to your suppliers. We recommend taking dated photographs of each meter for your records.
• Arrange for mail redirection and notify relevant organisations of your new address. Commonly missed ones include the DVLA, your employer and pension providers.

4. Home Insurance

Buildings insurance should be in place from the date of settlement. This is typically a requirement of both the title conditions and any mortgage lender. Make sure the policy provides cover for the full reinstatement value as noted in the Home Report.

If the property is part of a larger building such as a flat, there may be a common insurance policy arranged by the factor. Your solicitor will usually confirm this during the purchase process.

5. Smoke, Heat and Carbon Monoxide Alarms

Since February 2022, all homes in Scotland must have the following alarms installed:

• One smoke alarm in the living room
• One smoke alarm in each hallway or landing
• One heat alarm in the kitchen
• A carbon monoxide detector in any room with a fuel-burning appliance

Failure to have these alarms properly installed could invalidate your buildings or contents insurance in the event of a fire or gas incident.

If you have any questions or concerns about your new property, please get in touch with us at Matheson Lawson Solicitors. We are here to help guide you every step of the way.