Your Final Checklist Before You Pick Up the Keys
The finish line is in sight – your offer has been accepted, the contracts are exchanged, and you’re about to collect the keys to your first home.
But before you start loading boxes into the van, there are a few final steps to make sure moving day goes smoothly. This blog is your simple, no-nonsense checklist for the last stretch.
Step 1: Final Mortgage Approval and Funds
Your mortgage offer is confirmed at the point of exchange, but check that everything is ready for completion day. Your solicitor will liaise with your lender to ensure the funds are released on time.
Make sure your deposit is transferred in advance. Double-check that all paperwork is signed and returned.
Step 2: Sort Your Insurance
You’ll need buildings insurance in place from the day you exchange contracts – not just when you move in. This is a requirement for almost every lender. Compare quotes early, so you’re not rushing last minute. Consider contents insurance too, especially if you’re moving valuable items.
Step 3: Confirm Completion Day Logistics
Stay in touch with your solicitor to confirm what time the keys will be released on completion day. If you’re using removals, book them in advance and make sure they know the schedule. Arrange time off work, or rope in friends and family to help with the move.
Step 4: Utilities and Address Changes
Contact your gas, electricity, and water suppliers to set up new accounts. Notify broadband providers, your bank, and any subscriptions about your new address. Take final meter readings in your current place (if you’re renting or selling) to avoid disputes.
Step 5: Last-Minute Prep
Before moving in, consider a quick deep clean of your new home, especially if it’s been empty. Pack a “first night” box with essentials – kettle, mugs, bedding, and chargers. Check if the property manuals (heating, alarms, appliances) have been left for you.
FAQs for First-Time Buyers
1. When should I arrange my removals?
Book removals as soon as your completion date is confirmed, especially if you’re moving on a Friday – it’s the busiest day of the week.
2. Do I need insurance before I get the keys?
Yes, buildings insurance must be active from exchange, as that’s when you become legally responsible for the property.
3. Can I pick up the keys before completion day?
No. Keys are only released once your solicitor confirms that funds have cleared on completion day.
4. What happens if my completion is delayed?
Delays can happen if funds don’t transfer on time. Staying in close contact with your solicitor and broker (and using upfront searches like we do at Martyn Russell) helps avoid hold-ups.
Final Word
The last stage of buying your first home is all about being organised. Get your insurance sorted, keep your solicitor updated, and plan your moving day in advance. With everything lined up, you’ll be ready to turn that key and make your first home truly yours.
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