Property Settlement Calculator
Estimate your property settlement date and see the key buyer milestones from contract exchange to getting the keys.
Your purchase details
Estimated settlement
4 October 2026
41 days from today
Your settlement timeline
Based on a 6-week settlement period.
Contract exchanged
DoneThe contract becomes binding once both parties have exchanged contracts.
Cooling-off period (optional)
Select a countrySelect a country to see any available local guidance.
Finance approval deadline
13 Sept 2026Confirm your formal loan approval and speak with your lender or broker.
Pre-settlement inspection
27 Sept 2026Inspect the property shortly before settlement and confirm agreed inclusions are present.
Settlement day
4 Oct 2026Your conveyancer or solicitor completes the transfer and your lender releases funds.
How the property settlement calculator works
Enter the date your contract was exchanged and choose the settlement period in your contract. The calculator estimates your settlement date and maps the practical steps you need to prepare for, including finance approval and the pre-settlement inspection. Select a country or jurisdiction if you want local guidance where available.
Settlement periods vary by contract and property type. Six weeks is common for an established residential purchase, while off-the-plan purchases can have settlement periods of many months or years. Always confirm the dates in your contract with your conveyancer or solicitor.
What happens before property settlement?
Finance: Make sure your lender has formal approval and all requested documents. Ask when the loan documents need to be signed.
Conveyancing: Your solicitor or conveyancer checks the title, adjusts rates and confirms the settlement figures with the other side.
Inspection: Arrange a final inspection close to settlement to confirm the property's condition and agreed inclusions.
Funds: Confirm your contribution, lender funds and any transfer duty or fees are ready before settlement day.
Frequently asked questions
How long does property settlement take?
The settlement period is set by the contract and local practice. Four to six weeks is common for some established residential purchases, while off-the-plan and negotiated transactions can take much longer.
Does auction property have a cooling-off period?
Auction and cooling-off rules differ by country, jurisdiction and contract. Check the local rules with your conveyancer, solicitor or property lawyer before relying on a cooling-off period.
What is a pre-settlement inspection?
It is your final opportunity to inspect the property before settlement and check that it is in the agreed condition and that fixtures and inclusions remain.
For real estate agents
Need a buyer settlement timeline for your team?
Use the agent version to track contract milestones, follow-ups and urgency across an active buyer pipeline.
Open the Settlement Countdown for Agents →Ready to manage your pipeline?
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