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I don’t think solicitors can access your funds at exchange - the bank hasn’t lent you the money yet!
They can’t have security over the property until it’s yours, and that isn’t until completion. So from that angle at least, i don’t think it should be too late to change - whether the terms of the mortgage require you to have it booked in from exchange might make a difference though, I guess?
andyfallsoff
I asked the broker earlier this week to look at asking for an updated deal, and they said 4.14% was available (down from 5.5%). Now... we exchanged at 2pm today, and confirmation of the mortgage deal only came in at 5pm. So I'm very curious to see if I managed to make the cut-off; do solicitors access the funds immediately at the point of exchange, locking that in, or does it just happen at their leisure after? I've emailed everyone involved to ask.