To help you, we have gathered the key steps to follow after purchasing a home through a Mortgage Loan.
Security: Replace the Locks
For security reasons, it is advisable to replace the locks in your new home as soon as you move in.
This ensures that only you have access to the property, even if old keys are still in circulation.
Change Your Tax Address
Your address on your Citizen Card should be updated within 15 days of signing the deed, especially if the property will be your primary and permanent residence.
You can update your address:
- Online through the Citizen Portal
- In person at a customer service office
This update is important because it also automatically updates the address on your driving licence.
Apply for IMI Exemption
If you are eligible for an IMI (Municipal Property Tax) exemption, you should apply after updating your tax address.
Requirements and deadlines:
- Apply through the Tax Authority Portal or at your local Tax Office
- The application must be submitted within 60 days of signing the deed
- Only applicable to primary and permanent residences
You can apply here.
Water, Electricity and Gas Contracts
After purchasing your home, you will need to activate or transfer contracts for essential services such as electricity, gas and water.
The following documents are usually required:
Citizen Card Property deed
Updated property registration document IBAN (if you choose direct debit)
Utility meter readings
Telecommunications (TV, Internet and Telephone)
Telecommunications services are linked to the property address, so moving house will usually require:
A new contract
A possible new minimum contract period
Before proceeding, it is important to:
Check the remaining duration of your current contract
Compare offers from other providers
Assess any relocation fees or early termination penalties
Other Important Tasks After Buying a Home
In addition to the main tasks, there are a few other useful points to consider:
Keep all documentation related to the deed and mortgage loan in a safe place
Update your address with banks and insurance providers
Organise the initial expenses associated with your new home
The period following the signing of the deed involves several administrative tasks.
If you have any questions, please contact us through our contact form.