Our client asked this question after she gave us the last document still outstanding as requested by her mortgage lender. The fact is we are likely looking at two more weeks from that date. This was a refinance and here is what remained to be done: Even at this late stage, the lender has to sign off on all your documents; then declare the file is complete. Then the lender and Charles send packages to your lawyer. Then your lawyer requests a payout statement from RBC (and we wait for that – they control how fast they give it.) Then your lawyer and you coordinate signing meeting. In general for refinances, I tell our clients we allow five to six weeks from beginning to end. If a particular lender is slow, I will tell our clients and we will expect it to take longer. Don't get me wrong, we know how to close rush deals if we have to - in case of emergency. Last year we closed a $3 million purchase only one week after we received the file! But that was a special case and "all hands on deck". We also counsel clients to avoid closing dates at the very end of the month or the very beginning of the month, if at all possible. Those dates are when lenders and lawyers are busiest.