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# Home Buying; your guide

Once you have an offer accepted you should consider having a survey actioned as once you have completed the final purchase and taken delivery of the keys any repair work you find will be your responsibility.
4. Contract exchange and completion
Once you have agreed on a completion date with the seller and all checks have been carried out to your satisfaction you can ask your solicitor to draw up the final contract.
Once you have signed and exchanged this with the seller you are ready for completion.
I would advise that you ensure the seller has final meter readings taken and informs the utilities companies that you are the new owner to avoid any confusion over bills at a later date.
You should consider at this point arranging some form of home insurance or buildings and contents cover if you have not already been asked to do so by your mortgage provider. (A mortgage provider can insist that you have building cover in place before they will release the funds to you.)
On the day of completion the mortgage provider will release the funds to you and you can now transfer these into the seller's bank account. The deeds to the property should be handed over to your solicitor and the key's to yourself by an agreed time. And this is ultimately as far as I can guide you; all that remains is to wish you many happy years living in the house of your dreams.

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