Getting your offer accepted on a property is an exciting milestone, but it’s only the beginning of your home-buying journey. Many buyers (and sellers) wonder “What happens after my offer is accepted?”
The process from offer to completion usually takes 8–12 weeks, though it can be quicker or slower depending on paperwork, mortgage approvals, and solicitor efficiency. Below, we’ll walk you through each step of the timeline after an offer has been accepted in the UK so you know exactly what to expect.
Step 1: Offer Accepted – Inform Your Solicitor
Once your offer is accepted, both buyer and seller need to contact their solicitors or conveyancers straight away.
- Buyers: Provide ID, proof of funds, and mortgage details.
- Sellers: Supply property documents and notify your solicitor of the sale.
Tip: Organise all paperwork early to avoid delays.
Step 2: Instructing Your Solicitor (Days 1–2)
Conveyancing, the legal transfer of property ownership, begins at this stage.
- Your solicitor will prepare to carry out searches (local authority, drainage, environmental), usually once your mortgage offer is issued
- Sellers: Complete key forms such as the Property Information Form (TA6) and Fittings & Contents Form (TA10).
Choosing a proactive solicitor can make a big difference in keeping the timeline on track.
Step 3: Apply for Your Mortgage (Within 5–10 Days)
The mortgage application is a crucial step for buyers.
- Submit your application promptly.
- Provide proof of income, deposit details, and bank statements.
- Avoid big financial changes during this time (e.g. new loans or credit cards).
Sellers should ensure they’re available to answer any solicitor queries during this stage.
Step 4: Survey and Valuation (Within 2–3 Weeks)
Your lender will arrange a valuation survey to confirm the property’s value. Buyers may also commission additional surveys.
- Valuation Survey: This confirms the property’s value for the lender but won’t uncover structural issues
- Homebuyer Report: Mid-level inspection suitable for most homes.
- Building Survey: Most detailed, recommended for older or unusual properties.
If problems are uncovered, buyers can renegotiate or request repairs.
Step 5: Searches and Enquiries (Within 2–4 Weeks)
Solicitors order searches and raise enquiries to check for hidden issues.
- Buyers: Review search results with your solicitor and address any red flags.
- Sellers: Respond quickly to enquiries to prevent unnecessary delays.
This stage can feel slow, but it’s essential to uncover potential risks like planning restrictions or flood zones.
Step 6: Exchange of Contracts (Around Weeks 8–12)
Once both sides are satisfied with searches, surveys, and enquiries, contracts are exchanged.
- Buyers: Pay the deposit (usually 10% of the purchase price). Confirm your completion date.
- Sellers: Finalise packing and prepare for moving.
From this point, both parties are legally bound to the transaction.
Step 7: Moving Preparation (1–2 Weeks Before Completion)
With a completion date set, it’s time to prepare for moving day.
- Buyers: Arrange home insurance, set up utilities in your name, and start packing.
- Sellers: Notify utility providers of your move-out date and organise mail redirection.
Packing tip: Label boxes by room, not just by content. It makes unpacking so much easier.
Step 8: Completion Day (Ownership Transfer)
On completion day, the buyer’s solicitor transfers the remaining funds to the seller’s solicitor.
- Buyers: Your solicitor transfers the remaining funds to the seller’s solicitor. Once confirmed, you’ll receive the keys and can officially move into your new home
- Sellers: Your solicitor confirms receipt of the funds and releases the keys to the buyer. Any final bills are settled, and the remaining proceeds from the sale are transferred to you.
Step 9: After the Move (Post-Completion Tasks)
A few final steps remain after moving in:
- Buyers: Your solicitor will register your ownership with HM Land Registry and send you confirmation once this is complete. Remember to update your new address with banks, your driving licence, utilities, and any subscriptions.
- Sellers: Your solicitor will settle any outstanding estate agent or legal fees from the sale proceeds, then transfer the balance to you. Don’t forget to set up mail redirection if needed.
The timeline after an offer is accepted in the UK involves several stages, from solicitor instructions and mortgage applications to surveys, searches, exchange, and completion. While the process can feel overwhelming, staying organised and keeping in close contact with your solicitor makes a huge difference.
Thinking of buying or selling a property? Get in touch with our conveyancing team today, we’ll guide you through every step of the moving process.
