{"id":6512,"date":"2023-05-29T19:32:43","date_gmt":"2023-05-29T19:32:43","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=6512"},"modified":"2023-06-01T13:25:30","modified_gmt":"2023-06-01T13:25:30","slug":"how-long-does-it-take-to-get-a-mortgage","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/how-long-does-it-take-to-get-a-mortgage\/","title":{"rendered":"How long does it take to get a mortgage?"},"content":{"rendered":"\n<p>The amount of time you will take to obtain a mortgage hinges on various factors. These include the duration it takes for you to complete your part of the process, such as searching for and submitting necessary documents, the time it takes for your mortgage broker to meet their role, and the duration it takes for the lender to approve your application. Understanding the application process can give you an idea of when to anticipate mortgage approval.<\/p>\n\n\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/how-long-does-it-take-to-get-a-mortgage\/#How_long_does_a_mortgage_application_take\" >How long does a mortgage application take?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/how-long-does-it-take-to-get-a-mortgage\/#How_long_does_it_take_to_get_a_mortgage_offer\" >How long does it take to get a mortgage offer?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/how-long-does-it-take-to-get-a-mortgage\/#What_can_you_do_to_speed_up_your_mortgage_application\" >What can you do to speed up your mortgage application?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/homes\/first-time-buyers\/how-long-does-it-take-to-get-a-mortgage\/#Frequently_Asked_Questions\" >Frequently Asked Questions<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\" id=\"h-how-long-does-a-mortgage-application-take\"><span class=\"ez-toc-section\" id=\"How_long_does_a_mortgage_application_take\"><\/span>How long does a mortgage application take?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Before applying for a mortgage, many people choose to obtain a mortgage agreement in principle. To get an agreement in principle, lenders will request some basic information and perform a credit check to estimate how much they could lend. Remember that this does not guarantee a mortgage will be offered, but it can demonstrate to estate agents your commitment to buying. It may accelerate the application process once you have found a property you want to buy.<\/p>\n\n\n\n<p>To apply for a mortgage, you must ensure that your financial information is organised and all necessary documents are available. The application process usually takes a few hours. Lenders will evaluate your creditworthiness and determine your borrowing capacity by asking for specific information about you. You&#8217;ll need to provide the following information:<\/p>\n\n\n\n<p>&#8211; Your total monthly expenses, such as childcare and pension contributions.<\/p>\n\n\n\n<p>&#8211; Your monthly income, including any bonuses or overtime pay.<\/p>\n\n\n\n<p>&#8211; A valid ID that confirms your identity and current residence.<\/p>\n\n\n\n<p>&#8211; Information about the property you intend to purchase.<\/p>\n\n\n\n<p>&#8211; Contact details for your estate agent and solicitor.<\/p>\n\n\n\n<p>As part of your application, you must show proof of income and ability to afford the mortgage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-long-does-it-take-to-get-a-mortgage-offer\"><span class=\"ez-toc-section\" id=\"How_long_does_it_take_to_get_a_mortgage_offer\"><\/span>How long does it take to get a mortgage offer?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>After reviewing all your information, performing a credit check, and collecting all the necessary documentation, the lender will arrange a property valuation for the property you intend to purchase. It may take a few weeks or more for the surveyor to visit the property, write a report and send it to the lender. Once the lender is satisfied with the valuation, they can officially approve and offer your mortgage application. Usually, it takes about 18-40 days for the application to be processed, but it could take longer if the application is complicated.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-can-you-do-to-speed-up-your-mortgage-application\"><span class=\"ez-toc-section\" id=\"What_can_you_do_to_speed_up_your_mortgage_application\"><\/span>What can you do to speed up your mortgage application?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To speed up your mortgage application, it&#8217;s essential to have your documents readily available and send them promptly to your mortgage broker. Regular communication with your broker can also be helpful. Preparing with necessary documents such as payslips, P60s, or self-employed accounts and tax returns before starting the process can further ease the process.<\/p>\n\n\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div class=\"wp-block-ub-content-toggle wp-block-ub-content-toggle-block\" id=\"ub-content-toggle-block-6b632570-2ba5-43cb-8582-09fbd2410601\" data-mobilecollapse=\"false\" data-desktopcollapse=\"true\" data-preventcollapse=\"false\" data-showonlyone=\"false\">\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-0-6b632570-2ba5-43cb-8582-09fbd2410601\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-6b632570-2ba5-43cb-8582-09fbd2410601\" style=\"color: #FFFFFF; \">1. How long does it take to get a mortgage offer?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-0-6b632570-2ba5-43cb-8582-09fbd2410601\">\n\n<p>After you\u2019ve made your full mortgage application it can take 2-4 weeks to get a mortgage offer, provided the process goes smoothly and your application is relatively straightforward \u00b9.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-1-6b632570-2ba5-43cb-8582-09fbd2410601\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-6b632570-2ba5-43cb-8582-09fbd2410601\" style=\"color: #FFFFFF; \">2. How long does a mortgage offer last?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-1-6b632570-2ba5-43cb-8582-09fbd2410601\">\n\n<p>Most mortgage offers only last for 3 months, although how long a mortgage offer lasts depends on the type of property you are buying &#8211; some lenders allow for 6 months and others 9 months when dealing with new-build properties <sup>2<\/sup>.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-2-6b632570-2ba5-43cb-8582-09fbd2410601\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-6b632570-2ba5-43cb-8582-09fbd2410601\" style=\"color: #FFFFFF; \">3. How long does it take to complete on a house?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-2-6b632570-2ba5-43cb-8582-09fbd2410601\">\n\n<p>The time it takes to complete on a house purchase varies depending on the circumstances of the buyer and seller. On average, it takes between 8-12 weeks from the time you make an offer on a property to completion <sup>3<\/sup>.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-3-6b632570-2ba5-43cb-8582-09fbd2410601\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-6b632570-2ba5-43cb-8582-09fbd2410601\" style=\"color: #FFFFFF; \">4. How long does it take to get an agreement in principle?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-3-6b632570-2ba5-43cb-8582-09fbd2410601\">\n\n<p>It can take anywhere from 2 to 6 weeks to receive a mortgage offer once you\u2019ve accepted an agreement in principle and you\u2019re ready to move forward with a complete application <sup>4<\/sup>.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-4-6b632570-2ba5-43cb-8582-09fbd2410601\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-6b632570-2ba5-43cb-8582-09fbd2410601\" style=\"color: #FFFFFF; \">5. How long does it take to get a mortgage approved?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-4-6b632570-2ba5-43cb-8582-09fbd2410601\">\n\n<p>It can take anywhere from 2-4 weeks to get a mortgage offer once you\u2019ve made your full mortgage application \u00b9.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-5-6b632570-2ba5-43cb-8582-09fbd2410601\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-6b632570-2ba5-43cb-8582-09fbd2410601\" style=\"color: #FFFFFF; \">6. How long does it take for a mortgage valuation?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-5-6b632570-2ba5-43cb-8582-09fbd2410601\">\n\n<p>A mortgage valuation typically takes between 2-4 hours, but can take longer depending on the size and complexity of the property \u00b9.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-6-6b632570-2ba5-43cb-8582-09fbd2410601\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-6b632570-2ba5-43cb-8582-09fbd2410601\" style=\"color: #FFFFFF; \">7. How long does it take to get a decision in principle?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-6-6b632570-2ba5-43cb-8582-09fbd2410601\">\n\n<p>It can take anywhere from a few minutes to several days to receive a decision in principle, depending on the lender and your individual circumstances <sup>4<\/sup>.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-7-6b632570-2ba5-43cb-8582-09fbd2410601\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-6b632570-2ba5-43cb-8582-09fbd2410601\" style=\"color: #FFFFFF; \">8. How long does it take for a mortgage application to be processed?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-7-6b632570-2ba5-43cb-8582-09fbd2410601\">\n\n<p>It can take anywhere from 2-4 weeks for your mortgage application to be processed, provided there are no issues or complications that arise during the process \u00b9.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-8-6b632570-2ba5-43cb-8582-09fbd2410601\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-6b632570-2ba5-43cb-8582-09fbd2410601\" style=\"color: #FFFFFF; \">9. How long does it take for a surveyor&#8217;s report?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-8-6b632570-2ba5-43cb-8582-09fbd2410601\">\n\n<p>A surveyor&#8217;s report typically takes between 2-5 working days, but can take longer depending on the size and complexity of the property \u00b9.<\/p>\n\n<\/div>\n\t\t<\/div>\n\n<div class=\"wp-block-ub-content-toggle-accordion\" style=\"border-color: #4185f8;\" id=\"ub-content-toggle-panel-block-\">\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-title-wrap\" style=\"background-color: #4185f8;\" aria-controls=\"ub-content-toggle-panel-9-6b632570-2ba5-43cb-8582-09fbd2410601\" tabindex=\"0\">\n\t\t\t<p class=\"wp-block-ub-content-toggle-accordion-title ub-content-toggle-title-6b632570-2ba5-43cb-8582-09fbd2410601\" style=\"color: #FFFFFF; \">10. How long does it take for conveyancing?<\/p>\n\t\t\t<div class=\"wp-block-ub-content-toggle-accordion-toggle-wrap right\" style=\"color: #FFFFFF;\"><span class=\"wp-block-ub-content-toggle-accordion-state-indicator wp-block-ub-chevron-down\"><\/span><\/div>\n\t\t<\/div>\n\t\t\t<div role=\"region\" aria-expanded=\"false\" class=\"wp-block-ub-content-toggle-accordion-content-wrap ub-hide\" id=\"ub-content-toggle-panel-9-6b632570-2ba5-43cb-8582-09fbd2410601\">\n\n<p>Conveyancing typically takes between 8-12 weeks, but can take longer depending on the complexity of the transaction and any issues that arise during the process <sup>3<\/sup>.<\/p>\n\n<\/div>\n\t\t<\/div>\n<\/div>\n\n\n<p class=\"has-small-font-size\">References:<\/p>\n\n\n\n<ol class=\"wp-block-list\" type=\"1\">\n<li class=\"has-small-font-size\">How long does it take to get a mortgage? &#8211; HomeOwners Alliance. <a href=\"https:\/\/hoa.org.uk\/advice\/guides-for-homeowners\/i-am-buying\/long-take-get-mortgage\">https:\/\/hoa.org.uk\/advice\/guides-for-homeowners\/i-am-buying\/long-take-get-mortgage<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\">How Long Does A Mortgage Application Take? | Bankrate UK. <a href=\"https:\/\/www.bankrate.com\/uk\/mortgages\/how-long-does-it-take-to-get-a-mortgage\">https:\/\/www.bankrate.com\/uk\/mortgages\/how-long-does-it-take-to-get-a-mortgage<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\">Process of buying a house: timeline &#8211; MoneySavingExpert. <a href=\"https:\/\/www.moneysavingexpert.com\/mortgages\/buying-a-home-timeline\">https:\/\/www.moneysavingexpert.com\/mortgages\/buying-a-home-timeline<\/a><\/li>\n\n\n\n<li class=\"has-small-font-size\">How Long Does A Mortgage Offer Last &amp; Take | Bankrate UK. <a href=\"https:\/\/www.bankrate.com\/uk\/mortgages\/how-long-does-a-mortgage-offer-last\">https:\/\/www.bankrate.com\/uk\/mortgages\/how-long-does-a-mortgage-offer-last<\/a><\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"The amount of time you will take to obtain a mortgage hinges on various factors. These include the duration it takes for you to complete your part of the process, such as searching for and submitting necessary\n","protected":false},"author":1,"featured_media":7263,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[475],"tags":[],"class_list":{"0":"post-6512","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-first-time-buyers"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2023\/06\/RAJune20234.jpg","author_info":{"display_name":"Credit Score UK","author_link":"https:\/\/www.check.co.uk\/blog\/author\/coco\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How Long Does it Take to Get a Mortgage? | Expert Guide<\/title>\n<meta name=\"description\" content=\"Discover how long it takes to get a mortgage in the UK. 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