We here at O'Driscoll Auctioneers understand that one of the biggest uncertainties for first-time buyers is how long the process actually takes. From making an offer to receiving the keys, the journey can feel unclear. In 2026, while timelines vary, understanding each stage helps buyers plan realistically and avoid unnecessary stress.
The process typically begins with making an offer on a property. Once your offer is accepted, the property is considered sale agreed. At this stage, nothing is legally binding, but it marks the starting point of the formal process.
The next step involves appointing a solicitor and finalising your mortgage approval. Your lender will issue a formal loan offer, which your solicitor will review alongside the contracts for sale. This stage can take several weeks, depending on how quickly documentation is processed and whether any issues arise.
A property survey may also take place during this period. While not always mandatory, surveys are strongly recommended as they can identify structural or maintenance issues. If concerns arise, buyers may renegotiate or request repairs before proceeding.
Once contracts are issued by the seller’s solicitor, your solicitor will carry out legal checks. These include verifying title, planning permissions and any potential issues affecting the property. This part of the process is essential and can take time, particularly if additional queries need to be raised.
When all conditions are satisfied, both parties sign the contracts. At this point, the transaction becomes legally binding. A deposit is paid, and a closing date is agreed. From contract signing to closing, it usually takes a few weeks, although timelines can vary depending on the circumstances.
The final stage is completion. Funds are transferred, ownership is legally transferred and the buyer receives the keys. This is the moment when the purchase is fully complete.
In total, the process from sale agreed to closing can take anywhere from six to twelve weeks, and sometimes longer. Delays can occur due to mortgage processing, legal queries or issues uncovered during the transaction.
Understanding this timeline helps buyers manage expectations and prepare for each stage. While the process may take time, careful preparation and the right professional support can make the journey smoother and more predictable.
If you would like to discuss buying or selling a property, contact us on 066 710 4038 or email info@odriscollpropertykerry.com or visit odriscollpropertykerry.com.
Disclaimer: This article is based on publicly available information and is intended for general guidance only. While every effort has been made to ensure accuracy at the time of publication, details may change and errors may occur. This content does not constitute financial, legal or professional advice. Readers should seek appropriate professional guidance before making decisions. Neither the publisher nor the authors accept liability for any loss arising from reliance on this material.
