What Happens at Settlement When Buying a House — Australian Guide

Settlement is the legal completion of a property purchase — the moment when the title officially transfers from seller to you, and your lender funds the purchase. In Australia, settlement now occurs electronically via PEXA. You don't attend in person.

Do I need to be present at settlement?

No — settlement in Australia is now almost entirely electronic via PEXA. Simply be available by phone. Your real estate agent will contact you once settlement is confirmed to arrange key handover.

What time of day does settlement happen?

Most settlements are scheduled between 10am and 3pm on a business day. Your conveyancer will tell you the expected time.

Can I move in on settlement day?

Yes — once you have the keys (usually 1–2 hours after settlement), the property is legally yours. Many buyers arrange removalists for the afternoon of settlement day.