13/05/2026
Completion Day Is One of the Biggest Days of Your Life. Here Is What Is Actually Happening Behind the Scenes.
Getting the keys feels like the finish line. But for your solicitor, completion day is one of the most tightly coordinated moments in the entire process, and the one where the smallest delay can cause the biggest stress.
At MJP Law, we genuinely care about making one of the most significant days of your life go smoothly. That means being on the phone, chasing funds, and communicating clearly throughout the day, not just sending emails into the void.
Here is what is happening on completion day while you are waiting for that call.
Your solicitor is coordinating the transfer of funds through the CHAPS banking system, confirming the mortgage redemption figures, preparing the final completion statement, and ensuring the money reaches the right places at the right time. That statement typically covers sale proceeds, fees and disbursements, mortgage redemption, and estate agent fees. It does not include removals, so that is one to plan separately.
The keys cannot be released until the seller has received all completion monies. In a chain, that means waiting for every transaction below yours to complete first. One delay anywhere in the chain ripples upward.
And delays are increasingly common. Conveyancing now routinely takes longer than it once did. Property chains are longer and more fragile, lenders are applying more stringent compliance checks, and anti-money laundering requirements add layers that simply did not exist a decade ago
Understanding what your solicitor is doing and why things sometimes take time goes a long way to reducing last-minute stress. We keep you informed at every stage so that nothing comes as a surprise.
Read our blog or get in touch to talk through your move.
https://www.mjplaw.co.uk/blog/conveyancing-completion
We are local. We keep things clear. And we are with you every step of the way.