What First-Time Buyers Should Expect on Completion Day: Your Ultimate Guide

25 March 2025

Congratulations, first-time buyers! After months of house hunting, paperwork, and decision-making, you’re finally approaching one of the most exciting moments in the home-buying process - Completion Day.

This is when the property officially becomes yours, and it’s time to celebrate! But what exactly should you expect on this important day? In this guide, we’ll break it all down so you can walk into your new home with confidence and excitement.

What is Completion Day?

Before diving into the details, let’s define Completion Day. Simply put, it’s the day when all the final paperwork is signed, all financial transactions are completed, and ownership of the property is officially transferred to you. 

Completion Day usually takes place after all conditions of the sale have been met, including mortgage approval, legal checks, and final inspections. Once everything is in place, you’ll receive the keys to your new home.

What happens on the day?

On the morning of completion your solicitor will transfer your funds to the seller’s solicitor, any final paperwork will be completed and the seller’s solicitor will give the green light so you can retrieve the keys to your new home. With the keys in hand, it’s time to celebrate! You can begin moving in your belongings and start making the space your own.

Common questions about Completion Day

How long does Completion Day take?

Completion Day itself can be quite quick. Once the funds are transferred and paperwork is complete, the keys are typically handed over within hours. 

Do I need to be present on Completion Day?

Usually, you don't need to be present to complete the transaction. Your solicitor will deal with any paperwork and financial transfers. However, you’ll want to be available to retrieve the keys and inspect the property.

What if something goes wrong on Completion Day?

Although rare, issues can arise, such as delays in transfer of funds or last-minute problems with the property. It’s important to stay in touch with your solicitor throughout the process and they’ll be able to guide you through any issues that might arise.

Top Tips for First-Time Buyers on Completion Day

• Stay in touch with your solicitor. Your solicitor will be your point of contact for updates on Completion Day. They’ll inform you once everything is in order and the keys are ready for pick-up.
• Once you have the keys, check your new home over. Take the meter readings, test the heating and make sure everything agreed in the sale is there and as expected.
• Take some time to celebrate. Completion Day is a huge milestone! Whether it's a quiet evening in your new home or celebrating with family and friends, make sure to savour the moment.

Completion Day is an exciting and pivotal moment for first-time homebuyers. From receiving the keys to settling into your new space, this day represents a new chapter in your life. By understanding the process and being prepared, you can make this experience as smooth and enjoyable as possible.