Ultimately, it’s your decision. As with any long-term financial commitment, you should think carefully before making a move. Don’t base your decision on mortgage rates and property values, which is almost impossible to predict. Our mortgage advisors are available if you’re looking for more information and support.

In most situations, yes. This is the day your solicitor takes the funds they’ve received for the house (either from you or your mortgage provider) and transfers them to the seller’s solicitor. Once they confirm the funds have been received, you get the keys and can move in.

In the event that the transfer is delayed for whatever reason, they might not receive the funds early enough to release the keys that day. Your estate agent will be able to talk you through this process in more detail.