How do you prepare the cash for your deposit if you're buying a home?

[QuakingQuiche]

I've heard terms like telegraphic transfer mentioned by the solicitor.

Currently, half of the deposit money is in a loyalty ISA (which I've been told I can take out whenever by the bank) and the other half is in a current account (both accounts are in my name).

What do you suggest as the best course of action so all the money is in the easiest format to transfer for exchange (if I go ahead)

Ask your solicitor

I moved all the money into one account and then I had to go into the bank branch for it to be transferred to the sellers. I'm not sure how that would work during the current situation though.

Get all the money moved into one account so that it’s all there a day or two before you’ll need it.

Ask your solicitor, but ours suggested a CHAPS transfer. They cost a few quid (which is nothing compared to your deposit!) and you can contact your bank to arrange it.

I went into the bank and did a CHAPS, same day with is the newer band for telegraphic transfer.

I guess it depends how much it was? Ours was under £25k so I could do a faster payments transfer.