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how long from AIP
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andrea1968_2
Posts: 181 Forumite
Sorry this is probably a "how long is a piece of string..." question.
From receiving an agreement in principle how long does it take for the full mortgage offer ?
Thanks in advance and a Happy New Year :beer:
From receiving an agreement in principle how long does it take for the full mortgage offer ?
Thanks in advance and a Happy New Year :beer:
2013 - Finally got the house we' ve worked so hard to get......now it's a life of diy and no money....couldn't be happier 😊
2020 - mortgage free target set 8 years and counting 🎯
Even the longest walks start with one small step....get your boots on.
2020 - mortgage free target set 8 years and counting 🎯
Even the longest walks start with one small step....get your boots on.
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Have you submitted the full application?
It will depend on lenderturnaround times, case complexity, documents provided amongst other things.
Which lender is it? Are you using a broker?I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Might help if you post which lender you are using0
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We're using a broker and the lender is Accord/Yorkshire Building Society.
We got the AIP on Dec 21st so that's as far as we've got with the Christmas break.2013 - Finally got the house we' ve worked so hard to get......now it's a life of diy and no money....couldn't be happier 😊
2020 - mortgage free target set 8 years and counting 🎯
Even the longest walks start with one small step....get your boots on.0 -
Accord are not the easiest to deal with.
Why were they recommended to you?I am a Mortgage AdviserYou should note that this site doesn't check my status as a mortgage adviser, so you need to take my word for it. This signature is here as I follow MSE's Mortgage Adviser Code of Conduct. Any posts on here are for information and discussion purposes only and shouldn't be seen as financial advice.0 -
Great... stomach hits floor......Our broker said they had good rates.
House is £93500 we have 25% deposit and have opted for fixed for 2 yrs but with the plan of overpaying each month2013 - Finally got the house we' ve worked so hard to get......now it's a life of diy and no money....couldn't be happier 😊
2020 - mortgage free target set 8 years and counting 🎯
Even the longest walks start with one small step....get your boots on.0 -
I got my AIP with YBS on the 29th Nov, full application went on the 30th, and I got my formal offer after the valuation on the 19th Dec. I had to send extra documents to explain transactions on my bank statement so think it took a bit longer than it could have done!Saved for a house deposit! :j Now for a new kitchen!
Save 20k in 2014 #36: £2251 / £20000
Save 12k in 2013 #159: £13650 / £120000 -
I used ybs and had an offer one week after full application.0
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I sent my application in with supporting documentation on the 20th. I got a text the next day saying they had approved my application. I thnk it all depends on the lender, how complicated your circumstances are and mortgage affordability. Our lender is First Direct.0
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