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First Direct mortgage offer timeline - time from approval of mortgage offer to receiving documents?
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puffintail
Posts: 64 Forumite

Hi all
I'd really welcome any experience of the timeline from the underwriters giving mortgage approval to actually receiving the offer documents from First Direct?
The underwriters approved my mortgage offer on Friday 29th March and I was told I'll get a text with a code to access the email they send with the offer documents.
They state a standard 5 working day turnaround to receive the documents and text with access code.
Everything else is complete from a conveyancing perspective, so as soon as my Solicitor has the mortgage offer documentation, she can move us to exchange.
We're aiming for a 12th April completion (alarmingly close now) which is why I'd be interested to hear of anyone experience - is there any hope that it could be less than 5 working days?
Thank you!
Sian
I'd really welcome any experience of the timeline from the underwriters giving mortgage approval to actually receiving the offer documents from First Direct?
The underwriters approved my mortgage offer on Friday 29th March and I was told I'll get a text with a code to access the email they send with the offer documents.
They state a standard 5 working day turnaround to receive the documents and text with access code.
Everything else is complete from a conveyancing perspective, so as soon as my Solicitor has the mortgage offer documentation, she can move us to exchange.
We're aiming for a 12th April completion (alarmingly close now) which is why I'd be interested to hear of anyone experience - is there any hope that it could be less than 5 working days?
Thank you!
Sian
Debt as of Feb 2025
Zopa loan @ 9.9%:
£18637
MBNA CC @ 0% 31 months from Jan 25:
£6,270
Tesco CC @ 0% 27 months from Sept 24:
£4,356
TOTAL: £29,263
Emergency Fund: £85/£1000
Car Repair Fund: £700/£1000
Pet Emergency Fund: £20/£750
Zopa loan @ 9.9%:
£18637
MBNA CC @ 0% 31 months from Jan 25:
£6,270
Tesco CC @ 0% 27 months from Sept 24:
£4,356
TOTAL: £29,263
Emergency Fund: £85/£1000
Car Repair Fund: £700/£1000
Pet Emergency Fund: £20/£750
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