From Offer to Completion: What Happens After You Accept an Offer on Your Home?

Julie Bray

When an offer is accepted on a property, many sellers understandably feel the hardest part is over.


After weeks of preparing your home, arranging viewings and waiting for the right buyer, reaching that point can bring a real sense of relief.


In reality, however, accepting an offer is simply the beginning of the legal process that leads to completion. What happens over the following weeks will ultimately determine whether the sale reaches the finish line.


For homeowners in York and the surrounding villages, understanding these stages can remove much of the uncertainty and help prevent unnecessary stress.

Key Stages Between Offer and Completion


In most property sales, the process follows these steps:


  • Memorandum of Sale issued
  • Draft contract pack issued
  • Conveyancing begins and property searches are ordered
  • Buyer’s survey takes place
  • Exchange of contracts
  • Completion and key handover


On average, the journey from offer acceptance to completion takes around 12 weeks, although this can vary depending on the complexity of the chain.


The Memorandum of Sale: Confirming the Agreement


Before the memorandum of sale is issued, several important checks take place. Identification must be verified, proof of funds confirmed and the details of any onward chain established.


These steps ensure the buyer is in a genuine position to proceed and that the transaction can move forward securely.


Once completed, the memorandum of sale is prepared and sent to both the buyer’s and seller’s solicitors. This document confirms the key terms of the agreement and formally begins the legal process.


Draft Contract Pack Issued


The seller’s solicitor then prepares and issues the draft contract pack. This includes the contract, title documents and standard property information forms, forming the foundation of the legal work to follow.


The period between offer acceptance and exchange of contracts is known as the pre-contract stage. During this time, the draft contract is reviewed, negotiated and clarified between both parties’ solicitors.


Only once this pack has been received can the buyer’s solicitor begin their detailed conveyancing work, including reviewing the legal title and raising enquiries. A well-prepared and promptly issued contract pack can therefore make a meaningful difference in keeping the transaction progressing smoothly.


Conveyancing: The Legal Work Behind the Scenes


The buyer’s solicitor will begin by ordering the standard property searches, which typically include:


  • Local authority search
  • Environmental search
  • Drainage and water search


The local authority search reveals planning permissions, building regulation approvals and whether the property is located within a conservation area. Environmental searches highlight potential risks such as flooding or contaminated land, while drainage searches confirm connections to mains services.


Alongside this, the buyer’s solicitor reviews the legal title and raises enquiries where clarification is needed.


This stage often requires patience. Searches alone can take around ten working days, sometimes longer depending on the local authority.


While it may feel as though little is happening, there is usually steady progress behind the scenes, with ongoing communication between solicitors as enquiries are raised and resolved.


Sellers can help keep matters moving by confirming early on what will remain with the property, such as appliances, curtains and light fittings.


The Survey: A Normal Part of the Process


Most buyers commission a survey on the property, such as a HomeBuyer Report or a full Building Survey, particularly for older homes.


This survey is separate from the lender’s valuation, which simply confirms the property’s value for mortgage purposes.


Survey reports often contain detailed technical language and industry terminology, which can make them difficult to interpret without experience. As a result, buyers will often seek professional advice to fully understand the findings and what they mean in practical terms.


It is also worth noting that surveys frequently highlight routine maintenance issues. Occasionally, more significant points are raised, which may lead to further questions or a request to renegotiate.


This stage can feel unsettling for sellers, but many findings are entirely typical for properties of a certain age. Clear, informed and balanced discussions will usually provide reassurance and allow the transaction to move forward.


Exchange of Contracts: The Point of Commitment


Exchange of contracts is the stage at which the transaction becomes legally binding.


Both solicitors confirm that contracts have been signed and agree on a completion date. The buyer then pays their deposit, typically around 10% of the purchase price.


Up until exchange, either party can withdraw without legal penalty. Once contracts are exchanged, however, both sides are fully committed.


If a buyer fails to complete, they risk losing their deposit and potentially facing further costs. If a seller fails to complete, the buyer may be entitled to compensation.


For many, exchange is the moment when a sale finally feels secure.


Completion Day: When the Keys Change Hands


Completion day is when ownership of the property officially transfers.


The buyer’s solicitor sends the purchase funds to the seller’s solicitor. Once received, any outstanding mortgage is repaid and the remaining balance is released to the seller.


The keys are then handed over, and the buyer can move into their new home.


Keeping the Sale on Track


Preparation at the outset can make a significant difference. Instructing a solicitor early, completing paperwork promptly and ensuring buyers are properly qualified all help reduce the risk of delays later on.


Even so, property transactions rarely progress in a perfectly straight line. Surveys raise questions, chains can shift and, at times, negotiations may need to be revisited.


When this happens, calm and consistent communication between all parties becomes especially important.


Much of what keeps a sale on track happens quietly behind the scenes — monitoring progress, liaising with solicitors and resolving issues before they escalate.


Handled early and sensibly, most challenges can be overcome without derailing the transaction.


And when completion day finally arrives, it is that steady, often unseen progress that brings everything together.


Thinking of Selling Your Home?


If you’re considering a move and would like straightforward advice on preparing your property for the market, we are always happy to have an informal conversation.



Many homeowners in York begin simply by discussing their plans before deciding on their next step.


A man and a woman are holding hands and walking in a park.
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