Money management
How to budget for a loan repayment
The income allocation method, building a payment buffer, aligning your repayment date with payday, and what to do when budgets tighten.
5 min read → Home move
Moving house
loan
Moving home is one of the most expensive life events. Between removals, overlapping costs and new property essentials, a Cash Train loan helps you bridge the gap.
Apply now →Unregulated lender • Apply online — decision in minutes
What moving house costs
Where the money goes when you move
Removal van hire
£300–£1,200
Dependent on volume, distance and whether you use a full packing service.
Overlap rent & deposits
£500–£2,000
Many tenancies require a deposit at the new property before you recover the old one.
Storage
£100–£500
If the new property isn't ready, short-term storage for 1–3 months adds up quickly.
First-month essentials
£300–£1,500
White goods, curtains, cleaning, minor repairs. New properties always need something.
Loan options
Match the loan to your move
Whether you need to cover a single cost or the full move, there’s a tier sized for it. You don’t choose the tier — we match you automatically based on your amount and affordability.
Flex
£500–£2,000
3–12 months
Removal costs plus first-month essentials. Most common moving loan range.
Apply now →Plus
£2,000–£5,000
6–24 months
Full moving costs, overlapping tenancy period, and new home setup.
Apply now →
How it works
Three steps from application to funds
Apply online
Tell us how much you need and a little about yourself. No credit check at this stage — just your details so we're ready.
Fast decision
Once Cash Train is live, you'll complete a full application. We aim to give a decision quickly, with a clear breakdown of repayments before you commit.
Money to your account
Approved funds are sent directly to your bank account. You're free to pay your removal firm, deposit, or storage company — no restrictions on spend.
Common questions
Moving house loan FAQs
Yes. If you need to pay a deposit before recovering your previous one, a short-term loan bridges the gap.
Hire a man-and-van rather than a full removal firm, pack yourself, and move on a weekday. The difference between the cheapest and most expensive options for the same move can be 3–4x.
Yes. The loan goes into your account and you decide how to use it — there are no restrictions on spending.
Your loan is paid to your account when you're approved. Repayments start on your chosen date. A change in moving date doesn't affect the loan.
Ready to plan your move?
Apply online and get a fast decision — fixed monthly payments, no hidden fees.
Apply now →Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk