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  • kingstreet
    kingstreet Posts: 39,315 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Bank statements aren't required until an application is submitted.

    Once the broker can work out who to place the case with, an agreement in principle can usually be obtained in minutes.

    If the decision is "refer" it may take a couple of days to for the lender to decide it is happy to lend and in some cases, some documentation may be required at that time.

    Appointing a broker and getting started is now the priority.
    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.
  • sarmia
    sarmia Posts: 576 Forumite
    Part of the Furniture 100 Posts Combo Breaker
    Thanks again for your help. Will try get something sorted asap.
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