The holiday season brings family gatherings, celebrations, and for some — a major milestone like closing on a new home. While the timing can feel hectic, it’s entirely possible to navigate a year-end move with calm and clarity. Success comes down to preparation, communication, and understanding how holiday schedules impact real estate transactions.
Here are nine expert strategies to help you move through your holiday closing with confidence:
1. Plan Your Move Early
Holiday schedules fill up fast. Moving companies often have limited availability in December, especially around statutory holidays. Book your movers early and request written confirmation of dates and times. If possible, build in a buffer day in case winter weather interferes with your plans.
Some reputable moving companies servicing Oakville and Burlington include, Bronte Movers, AMJ Movers, Two Men & A Truck and BurlOak Movers.
2. Stay Ahead of the Weather
Winter weather adds another layer of unpredictability. Keep a close eye on forecasts and prepare contingency plans for inspections, appraisals, or your moving day. Having flexible timelines—and an emergency backup plan—can prevent unnecessary stress.
3. Confirm Advisor Availability Early
Lawyers, mortgage brokers, and real estate professionals often take time off during the holidays. Check their schedules in advance to ensure coverage through your closing date. If any part of your transaction will require sign-offs or document reviews close to year-end, it’s best to confirm support well before everyone heads out for holiday breaks.
4. Complete Your Mortgage Application Ahead of Time
Banking staff is often reduced over the holidays, and that can slow down mortgage processing. Start the application process well in advance to avoid bottlenecks. Even if you’re waiting for policy changes—such as the December 2024 mortgage rule amendments—it’s smart to prepare your financial documents now so your lender can act quickly once new rules take effect.
5. Avoid Last-Minute Transaction Changes
Adding or removing a buyer, adjusting mortgage terms, or shifting your closing date too close to the finish line can cause delays or trigger new approvals. If you suspect any changes might be needed, flag them for your advisors early. Proactive communication is always less costly than reactive problem-solving.
6. Manage Utility and Service Transfers in Advance
Amid the excitement of moving, it’s easy to forget the practical details. Schedule utility transfers—electricity, water, gas, and internet—well in advance, as some providers may operate with reduced staffing or slower response times during the holidays. You don’t want to move into a cold, unlit home on closing day.
7. Budget for Holiday Timing
Closing costs can feel heavier during the holidays, when gift-giving and travel expenses already strain finances. Review your budget carefully to ensure you have funds available for lawyer fees, adjustments, and moving costs. Avoid relying on transfers that might take longer to clear due to banking holidays.
8. Be Proactive with Communication
With limited office hours and extended turnaround times, regular follow-up becomes your best defense against missed deadlines. Keep a detailed timeline and check in with your lawyer, lender, and agent at each step to confirm that documents are progressing as expected.
9. Remember: Time Is Still of the Essence
Even during the holidays, the phrase “time is of the essence” holds legal weight in your agreement. Missing a closing date—even by a day—can have financial and legal implications. Staying organized and responsive ensures your deal closes smoothly and on time.
The holiday season may be filled with distractions, but with structure, foresight, and a well-prepared team, your year-end closing can be as seamless as it is memorable.
Partner with the Bernard Team
The Bernard Team specializes in guiding clients through every step of the closing process, including the unique challenges that come with year-end transactions. With proven expertise, strong relationships with top local professionals, and a calm, organized approach, we help clients close confidently—no matter the season.
Connect with us today to ensure your next move is handled with precision, care, and the expertise it deserves.
