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hi im nicola mackenzie at dm mortgages and in todays video i will be explaining what the difference is between exchange of contracts and completion when you buy a property and ill also be making you aware of some of the pitfalls that you should avoid [Music] now here at donna mccarthy mortgages we are a team of property mortgage and insurance specialists that can help you to arrange a mortgage if youre looking to get onto the property ladder or move up it or review an existing one so make sure that you head over to our website which is dm.mortgage and book a free of charge appointment today also make sure that you follow us on instagram which is dm mortgage so first of all lets look at what exchange of contract is and then well look at completion a bit later on but ultimately exchange is an exchange of contracts so this is the point where the matter is legally binding between both the buyer and the seller its one of the last stages of a property transaction so its usually the