{"id":1114,"date":"2025-06-10T06:44:22","date_gmt":"2025-06-10T06:44:22","guid":{"rendered":"https:\/\/www.yopa.co.uk\/homeowners-hub\/?p=1114"},"modified":"2025-06-10T18:55:38","modified_gmt":"2025-06-10T18:55:38","slug":"how-long-between-exchange-and-completion","status":"publish","type":"post","link":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/how-long-between-exchange-and-completion\/","title":{"rendered":"How long between exchange and completion?\ufeff"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">When contracts are exchanged in England and\nWales (the law <a href=\"https:\/\/www.mygov.scot\/buying-a-home\/making-an-offer\">differs<\/a>\nin Scotland), a property purchase becomes legally binding. At this time, the\nbuyer and seller commit to a <a href=\"https:\/\/www.yopa.co.uk\/homeowners-hub\/what-happens-on-completion-day\/\">completion\ndate<\/a> when the property will pass to its new owner and list the fixtures and\nfittings that will be included. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On completion, the seller\u2019s solicitor will\nconfirm receipt of monies and arrange for the formal transfer of ownership to\nthe buyer. The terms of the contract will also include any financial penalties\nfor failing to complete the purchase.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Allowing sufficient time<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The interval between exchange and completion is usually between 1-2 weeks<\/strong>, although this is dependent on the complexity of your chain. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you\u2019re a buyer who\u2019s arranged a <a href=\"https:\/\/www.yopa.co.uk\/homeowners-hub\/guide-to-mortgages\/\">mortgage<\/a>\nto fund your house purchase, lenders usually require at least five working days\nto release the funds. The seller\u2019s <a href=\"https:\/\/www.yopa.co.uk\/homeowners-hub\/conveyancing-everything-need-know-afraid-ask\/\">solicitor\nor conveyancer<\/a> may also request that the mortgage funds reach their account\nthe day before completion to avoid any delay.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That\u2019s why it\u2019s advisable to check the\nmortgage instructions and allow more than one week between the exchange of\ncontracts and the completion date to ensure the necessary funds arrive in time.<\/p>\n\n\n<div class=\"valuation-widgets\">\n    <div class=\"valuation-widgets__col\">\n        <a href=\"https:\/\/www.yopa.co.uk\/online-valuation\" class=\"valuation-widget\">\n            <div class=\"media\">\n    <div class=\"media__media\">\n        <img decoding=\"async\" src=\"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-content\/themes\/yopa\/assets\/images\/icon-house.svg\" alt=\"\" role=\"presentation\">    <\/div>\n    <div class=\"media__inner\">\n        <div class=\"media__heading\">\n            Instant online <span class=\"chevron\">valuation<\/span>        <\/div>\n        <div class=\"media__content\">\n            <p>Get a rough estimate of your home's value now.<\/p>        <\/div>\n    <\/div>\n<\/div>\n        <\/a>\n    <\/div>\n    <div class=\"valuation-widgets__col\">\n        <a href=\"https:\/\/www.yopa.co.uk\/property-valuation\" class=\"valuation-widget\">\n            <div class=\"media\">\n    <div class=\"media__media\">\n        <img decoding=\"async\" src=\"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-content\/themes\/yopa\/assets\/images\/icon-currency.svg\" alt=\"\" role=\"presentation\">    <\/div>\n    <div class=\"media__inner\">\n        <div class=\"media__heading\">\n            Face-to-face <span class=\"chevron\">valuation<\/span>        <\/div>\n        <div class=\"media__content\">\n            <p>Book an appointment with your local Yopa agent.<\/p>        <\/div>\n    <\/div>\n<\/div>\n        <\/a>\n    <\/div>\n<\/div>\n\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Speeding up the process<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Good communication is essential. The seller\nshould state all relevant information on the property declaration forms.&nbsp; Conveyancers\nshould maintain contact, check progress, and keeping the flow of information\nopen \u2013 particularly between the mortgage provider, valuation surveyor and\ninstitutions providing <a href=\"https:\/\/www.yopa.co.uk\/homeowners-hub\/what-is-a-local-authority-search\/\">local\nsearch<\/a> information.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Although it\u2019s technically possible to\nexchange contracts and complete on the same day, this risks leaving\ninsufficient time in the event of search delays or mortgage issues. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Choosing the best day of the week<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">While Fridays continue to be a popular day\nto complete and move house, financial institutions and removals companies also\ntend to be busiest on this day. Any delay will mean waiting for the bank,\nbuilding society or other mortgage lender to reopen on Monday. Completing on a\ndifferent weekday offers the change to mitigate any delays and may even <a href=\"https:\/\/www.yopa.co.uk\/homeowners-hub\/how-much-are-removal-fees\/\">save\nyou money<\/a> when it comes to removals. &nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>When contracts are exchanged in England and Wales (the law differs in Scotland), a property purchase becomes legally binding. At this time, the buyer and seller commit to a completion date when the property will pass to its new owner and list the fixtures and fittings that will be included. On completion, the seller\u2019s solicitor<\/p>\n","protected":false},"author":4,"featured_media":1115,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[2,1],"tags":[],"class_list":["post-1114","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-selling","category-buying"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How long between exchange and completion?\ufeff - Yopa Homeowners Hub<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/how-long-between-exchange-and-completion\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How long between exchange and completion?\ufeff - Yopa Homeowners Hub\" \/>\n<meta property=\"og:description\" content=\"When contracts are exchanged in England and Wales (the law differs in Scotland), a property purchase becomes legally binding. At this time, the buyer and seller commit to a completion date when the property will pass to its new owner and list the fixtures and fittings that will be included. 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