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When can I collect the keys?

Once payment for your property purchase has been credited into the account of the sellers solicitor you can usually collect the keys straight away.

Final completion of most conveyancing transactions takes place by early afternoon, so you can usually move into your new property on the same day as completing.

Keys are usually left with the vendors estate agent and the buyer collects them  If there are no estate agents then the seller will arrange to meet with the buyer and hand the keys over directly.

Do I need a survey?

If you are obtaining a mortgage for your property purchase a valuer will inspect the property on the lenders behalf to see whether it is worth the amount you are paying for it.

This inspection is basic, and is unlikely to alter the purchase price.

You can often arrange for a more detailed survey known as a 'Home Buyers Report' for an additional fee. If at a later date you find a problem with the property that is not mentioned in the home buyers report you should be able to return to the surveyor for recompense.

If the property you are purchasing is quite old and you are particularly concerned about its condition you can obtain a full structural survey report which contains details over and above what is included in the home buyers report.

When does Stamp Duty have to be paid?

Stamp Duty is paid on or after the date on completion of a property purchase.

From the date of completion and assuming all the necessary contracts have been signed you have just 30 days in which to pay your stamp duty bill.

If you don't pay the stamp duty bill within this time frame you may be subject to a fine and incur interest on top of the existing amount.

Use our stamp duty calculator to find out how much stamp duty you will need to pay.