I've exchanged contracts on my property, and I'd like to start moving some things in.

Exchanging contracts means that you have legally agreed to purchase the property, as has everyone else in the chain. However, you can’t do anything with that property until you’ve completed, or in other words, you’ve paid for the item. That payment doesn’t take place until completion.

Between exchange and completion you will be asked to get building insurance and contents insurance. Because you have exchanged, your mortgage company is going to want to make sure it's protected.

But until the completion date, when the money is handed over, the property is not legally yours. That’s when you can start moving things in.