Partner Content
Completion day is the final and most exciting stage of buying or selling a home. It’s when the property officially changes hands and you get the keys—or hand them over. But despite the excitement, it can be a nerve-racking time if you’re not sure what to expect.
To help you prepare, this guide walks you through each step of completion day, so you know exactly what happens and when. Keep reading to make sure your move goes smoothly from start to finish.
What Is Completion Day?
Completion day is the point where the transaction is finalised. The money is transferred, legal ownership is updated, and the keys are exchanged.
If you’re buying, it’s the day you get to move in. If you’re selling, it’s the day you receive the funds from the buyer and your legal responsibility ends.
It’s typically set for a weekday and agreed by both parties when exchange of contracts takes place.
The Key Steps on Completion Day
1. Solicitors Confirm Everything Is in Place
First thing in the morning, your solicitor or conveyancer double-checks:
- All signed documents are complete
- Mortgage funds have arrived (if applicable)
- Final checks on the Land Registry and financial records
If you’re using a service like SAM Conveyancing, they’ll coordinate these steps for you and make sure you’re kept in the loop.
2. Transfer of Funds
Once the checks are done, the buyer’s solicitor sends the purchase money to the seller’s solicitor by bank transfer (known as CHAPS).
This process usually starts around mid-morning, and the time it takes can vary depending on the banks.
3. Confirmation of Receipt
The seller’s solicitor confirms they’ve received the funds. At that point:
- Legal ownership passes to the buyer
- The seller is no longer responsible for the property
- The buyer is officially the new owner
Once confirmed, the estate agent is instructed to release the keys.
4. Handover of Keys
Keys are usually collected from the estate agent. It’s best to wait for the official go-ahead before heading to the property.
If you’re moving in, now’s the time to celebrate—but remember to do a quick check of the property to ensure everything is as agreed.
Common Issues and Delays
While most completions go smoothly, a few hiccups can cause delays:
- Late bank transfers – CHAPS transfers can take time, especially with certain banks
- Missing paperwork – One missing document can hold things up
- Chain-related delays – If you’re in a property chain, everyone has to complete in sequence
Choosing a reliable solicitor can help avoid these issues.
What You Should Do on Completion Day
To make the day stress-free:
- Stay reachable by phone and email
- Avoid booking your removals too early—wait until completion is confirmed
- Double-check your solicitor has all the correct bank details for funds or mortgage transfers
- Pack essentials for the day, especially if you’re moving in
Final Thought
Completion day might feel intense, but with the right support and planning, it can be straightforward. Keep calm, follow the process, and trust your solicitor to handle the legal work.Thinking about your next move? Make sure you choose an experienced team who’ll guide you every step of the way—from start to keys in hand.
