Timing advice for Lloyd's mortgage application

Hallion

I have an AIP with Lloyd's but my current mortgage doesn't finish until 03/04/2022. In order to avoid the ERC, when should I complete the full application with Lloyd's?

I did ring them and after 1.5 hours on hold the customer representative advised an offer would be valid for 6 months but wasn't sure if that was calendar months or full months. I think to avoid the ERC, I would need to wait until start of November to submit the full application for completion in early April? Grateful for any advice on this. 

K_S

@hallion Lloyds products come with a fixed 'complete-by' date which in all honesty their mortgage team should be able to tell you as an exact date.

This thread might help
https://forums.moneysavingexpert.com/discussion/6390576/advise-lloyds-mortgage-offer-not-for-full-6-months

Hallion said:

I have an AIP with Lloyd's but my current mortgage doesn't finish until 03/04/2022. In order to avoid the ERC, when should I complete the full application with Lloyd's?

I did ring them and after 1.5 hours on hold the customer representative advised an offer would be valid for 6 months but wasn't sure if that was calendar months or full months. I think to avoid the ERC, I would need to wait until start of November to submit the full application for completion in early April? Grateful for any advice on this.