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Moving Home? Got A Removals Company Booked In? Find All The Things What Can Go Wrong On Completion Day!
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The search for your new home is now over. Completion day has painstakingly arrive and you have taken great care and thoroughness to make sure your home completion goes through with out a hitch. However the completion can take a long time to be processed especially when moving house in a chain and waiting for the funds to be transferred to the relevant bank accounts. This is the time your house removal company uses to get the removal lorries loaded. Today you will find exactly what can go wrong on completion day when moving house?
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What Does Completion Day Mean?
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Completion day is the day that you transfer your money for sale or purchase of your dream home. The completion day is the day you get full ownership of your new home. The completion process will only be successful once the sellers solicitor has confirmed the money has been received. All documents will then be checked, signed and ownership of the home will be transferred to the buyer. On completion day both the seller and buyer will need to leave their homes at a given time failuer to do so may result in additional fees. If the completion stage goes through perfectly you can usually get your new house keys between 12 and 1pm.
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The Funds
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When buying or selling a new house and moving home the completion day is basically down to how quickly your solicitor can transfer your money to the sellers solicitor. The money will be checked and the sellers solicitor will confirm the completion has been successful and notify the estate agents to pass on the house keys to the new home owner.
If moving in a large chain the completion process will take much longer than usual because you will need wait for all the funds to land into the accounts of each person in the chain. Depending on the position you are in will depend on when you receive your funds which will be passed on to the sellers solicitor. When moving in a large chain it is a first come first serve basis which can be unfair for the person right at the bottom.
The reality is you have sold your house at the same time the funds are being transferred, the issue is this can take several hours before the money arrives into the sellers solicitors account. If funds arrive late or if there are any delays with the transfer of the funds into the sellers account, then the transfer could go ahead for the next business working day.
This is a nightmare for anyone who is sitting ready and waiting with a house removals company to move in to the new home. Delays with the money at the top of the moving chain can be a knock on effect for everyone else who is actually in the chain as they will be in the exact same boat as each other.
In the worst cases if someone in the moving chain does not receive the money into their accounts on time it will go on to the next working day, this may mean that the sale will not go ahead and you will not be able to move in to the new home until the completion has been successful for every one in the chain.
If you are hiring a fast removals company to move home they will have no choice but to wait patiently for the completion to go through and the new house keys to be released before they can off load your items, if your items can not be offloaded in to the new home on completion day, your removals company may need to consider placing them in to storage for you. This will result in additional fees and charges on the day.
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Waiting For The New House Keys?
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If your funds have not arrived in to the sellers account, then their solicitors and estate agents legally are not allowed to hand over the new house keys. This can be a stressful and frustrating time for home movers and house removal companies that just want to complete the move, especially if the wait goes on for much longer than expected and the your dream home is completely empty and ready to move in to.
The sellers of your new home may be nice, kind people and happy to allow you access to start offloading your furniture in the home, but their solicitors will have warned them of the consequences of doing so if the sale was not to go through.
The best thing you can do when waiting for the release of your new house keys is to be patient and speak to others in the moving chain. On completion day speak to your solicitor, the banks, estate agents and the seller so you know at all times the process and where you are in the moving chain.
If you are aware that the new house keys will be late on completion day and you are a home mover that is well organised and has your house removals company arriving early to start the the moving process. You will want to notify your house removals company at the earliest opportunity about the keys being late, they may be able to complete the loading at a later time to avoid patiently waiting hours and hours for the new house keys to be release before they can offload and move you in to your new home.
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What If The Completion Doesn’t Go Ahead?
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The worst case scenario is that the completion on your home does not go through successfully, some times the case can be that you have received the money for your home but your money does not arrive to the sellers solicitors account on time. This will mean that you will not be moving in to the new house and will need to probably cover removals company cost, storage costs, solicitor costs and any other fees associated with late fees on completion day. The other thing is that you are normally made aware that the completion has been unsuccessful right at the end of the day when there is little you can do.
If you are experiencing these situations on your completion day then you will need to notify your house removals company right away. As they will need to arrange a storage unit to store your household items until the completion is complete and you can move right into your new home. This will mean that you will have to pay your house removals company for the removals day, storing your belongings and then moving them back to the new home. So completion day can be a success for many home movers and families, it also has its down sides and can be a nightmare that makes people wish they will never move home again.
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Things You Can Do To Avoid A Completion Day Disaster
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Although you are limited to what you can do to ensure that your completion goes according to plan. There are a few things that you can do to help make the process less stressful.
If selling a house its always a good idea to take a 5 – 10% deposit. This will let you know that your buyers are 100% interested in purchasing your home and most likely will not pull out of the sale at the last minute. If the buyer does pull out you can make claims for damages and keep up to 5% of the deposit as compensation.
On completion day the banks will be receiving a lot of money in to their accounts this can take forever for the banks to process and for the money to reach in to the buyers and sellers bank accounts. The best thing you can do is contact all solicitors and banks involved and request that your funds are transferred as soon as they arrive. Speaking to the banks and solicitors directly will give you some peace of mind about how your completion is going.
To help speed up the whole process submit your funds to your solicitor a day before the completion. This way your solicitor can process the payment first thing on completion day ensuring your payment arrives promptly.
Sometime delays happen when the seller decides to remove items from the home, that the buyer assumed was with the house sale. To avoid these mistakes on your completion day. Get in touch with the seller, arrange a visit to the house and make notes or take pictures of all the fixtures and fittings that will be left when you move in to the house.
Its worth speaking to your solicitor and the seller of your new home to see if you and your house removals company can off load furniture in to the garden, garage or shed of the new house while the completion is going on.
Be sure to have a reliable and trusted home moving company on your side, the last thing you need on completion day is to be let down by your moving company. Stay in close contact with your house removals company and call them a day or 2 before you are due to move home. You will want to think about choosing a house removals and storage company that will be able to accommodate your needs if the completion was to fall through.
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