How to Coordinate Your Mortgage Completion and Removal Day

Buying a new home is exciting – but coordinating your mortgage completion with your removal day can feel tricky. Timing is everything when it comes to moving house. If things don’t line up properly, you could face delays, extra costs, or added stress. That’s why careful planning and clear communication with all parties involved are essential.

In this guide, we’ll walk you through how to effectively coordinate your mortgage completion and removal day, so your move runs as smoothly as possible.

Why Timing Your Mortgage Completion Matters for Your Move

Mortgage completion is the final legal step where ownership of the property officially transfers to you. Once completion happens, you can legally take possession and move in.

However, if your removals team arrives before completion – or completion happens too early or late – complications can arise:

• Early removal day: You might have to wait outside your new home or store your belongings temporarily.

• Late removal day: You could face storage costs or last-minute rescheduling fees.

• Delayed completion: Your removals company might be ready but unable to access the property.

  
  

Understanding this link between mortgage completion and removals is key to planning a successful move.

Step 1 – Stay in Regular Contact with Your Solicitor and Mortgage Provider

Your solicitor and mortgage provider are your main sources of information about your completion date. They will inform you as soon as the mortgage funds are transferred and completion is confirmed.

To avoid surprises:

• Ask for a clear estimate of your completion date early in the process.

• Keep regular contact as the date approaches – ideally daily communication during the week before.

• Confirm exactly when your solicitor expects funds to clear and completion to happen.

  
  

This information will form the backbone of your moving schedule.

Step 2 – Book Your Removal Company with Flexibility in Mind

Removal companies often get booked weeks or months ahead – so it’s wise to reserve your preferred date early. However, because mortgage completion dates can shift unexpectedly, consider:

• Booking your removals with a flexible cancellation or rescheduling policy.

• Letting your removals company know your mortgage completion window and that exact timing might change.

• Asking if they offer short-notice moves or storage options in case of delays.

  
  

Professional removals firms understand these challenges and can often work with you to adapt your move day.

Step 3 – Align the Move Day Schedule with Completion Timing

Mortgage completions generally happen between 9am and 5pm on the agreed day. It’s best to plan removals for the afternoon or late morning once completion is confirmed.

To keep things smooth:

• Arrange for your removals team to arrive after you’ve received confirmation of completion.

• Have your solicitor or estate agent notify you immediately once completion is done.

• If possible, coordinate to have your keys ready right after completion.

  
  

Being flexible on timing the removals will reduce the risk of delays or waiting around.

Step 4 – Prepare a Backup Plan for Unexpected Delays

Even the best-laid plans can be disrupted by factors outside your control – like slow mortgage processing or unexpected legal issues.

To be prepared:

• Discuss storage options with your removals company in case your belongings need to be kept temporarily.

• Have contact details for your solicitor, estate agent, and removals company handy.

• Consider packing a ‘day one’ essentials box with important items, so you can manage if you need to stay elsewhere briefly.

Having a contingency plan in place means you won’t feel stuck if your move needs to be postponed or split across days.

Step 5 – Keep Communication Open on Moving Day

On the actual move day, clear and quick communication is crucial. Share updates between your solicitor, removals company, and anyone helping you with the move.

Tips for the day:

• Ensure your phone is charged and easily accessible.

• Use group chats or messaging apps for instant updates.

• Confirm once your removals team has started loading and later unloading.

  
  

Good communication will keep everyone on the same page and make the day less stressful.

Final Thoughts – Coordinating Your Mortgage Completion and Removal Day

The key to a successful move is timing – but it’s also about being adaptable. Mortgage completion can be unpredictable, so the more prepared you are, the easier your move will be.

By staying in touch with your solicitor, booking removals with flexibility, planning your schedule carefully, and having backup options, you can confidently coordinate your mortgage completion and removal day.

If you need help planning or booking your removals, our experienced team at Saint Removals is here to support you every step of the way. Get in touch to discuss your move – we’re happy to provide expert advice and tailor a solution that suits your timing and budget.