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hi guys im nicola mckenzie founder and mortgage advisor here at mccarthy mortgages and in todays video i will be explaining to you how exchange of contracts is no guarantee to completion when you are buying a property and its important that you understand this because you could see your house sale collapse or worse be at risk of financial penalties and implications if you dont fully understand the implications of this so to find out more stay tuned [Music] before i get into the detail of todays video if its useful and you enjoy it make sure that you subscribe to this channel and hit the notification bell so that you dont miss any future uploads now i also have a video explaining the differences between exchange and completion so if you want to know more about the detail and the differences between those two chain of events when youre buying a property i would suggest you watch that video first and then come back here now to give you a brief summary exchange of contract