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[Music] exchanging contracts is a big step in the property buying process today were going to be talking you through the exchange of contracts and what it means and also what completion means well also be talking to you about 10 things to consider before you exchange contracts hello welcome back to our channel podcast my names gemma and here at ws we talk about all things related to money mortgages and positive money mindset so if that interests you then be sure to subscribe to our channel and hit the thumbs up it really helps with our youtube algorithm and means that you wont miss out on any of our videos on todays episode of the lets talk money and mortgages we have its car joining us once again and for those of you who dont know if d is a trained accountant and mortgage advisor whos been in the industry for over 10 years and hes also one of the founding directors here at wis hi how are you doing fd oh very well thank you how are you doing yeah im not bad thank you so tod