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How long does it take for a mortgage application to be agreed by bank
kerrydan
Posts: 31 Forumite
How long does it take for mortgage application to come back from bank?
0
Comments
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Depends on the lender and your circumstances.
I have had offers issued within a week or 4 months. the majority will be at the lower end of that though.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 -
Agreement in principle?How long does it take for mortgage application to come back from bank?
Agreement on full application, with instruction to valuer?
Mortgage offer issued?
TBH you're going to have to be more specific. The lender concerned would help.I am a mortgage broker. You 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. Please do not send PMs asking for one-to-one-advice, or representation.0 -
Did your bank not quote you the timescale involved? In our case, we applied with First Direct, who quoted 6-8 weeks. In actual fact it only took about 4, between sending back the application form with ID documents, bank statements etc and receiving the mortgage offer.
It is also very much dependant on the surveyor - your bank won't issue a formal offer (or if they do it will be subject to survey) until the valuation survey is carried out. We were lucky, as the surveyor carried out the survey within a few days of being requested, however there are many posts on here that suggest surveyors are busy at present.0
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