What's in this section?

Once we've received your mortgage application, we'll review your application and documents within 48 hours.

Within 3 days of receiving your mortgage application, we'll request a valuation of the property. It can take up to 2 weeks for the valuation to take place. Once completed, the valuation will be reviewed within 48 hours of receipt. You may also choose to have a Homebuyers Report or full structural survey completed as well.

Once we've received your valuation documents, we can approve your mortgage application.

Once we’ve finished and approved all the paperwork, you and your solicitor will each receive a copy of your official mortgage offer in the post. This may take up to 1 week after approving your application.

Once this offer has been produced, you have a reflection period of at least 9 days to consider the terms of the mortgage offer before accepting them. However, you don't have to wait for the reflection period to end before you accept the offer.

On completion day, your seller receives the money, and you'll get the keys to your new home.

Within 7 working days from when you complete on your mortgage, we’ll let you know in writing how much your first mortgage payment is and when it will be taken. This will usually be more than your regular monthly payment, as it includes interest for the days between the date your mortgage funds were released and the end of that month – plus your standard monthly payment for the following month.

Once we've received your mortgage application, we'll review your application and documents within 48 hours.

Once we’ve finished and approved all the paperwork, you and your solicitor will each receive a copy of your official mortgage offer in the post. This may take up to 1 week after approving your application.

Once this offer has been produced, you have a reflection period of at least 9 days to consider the terms of the mortgage offer before accepting them. However, you don't have to wait for the reflection period to end before you accept the offer.

On completion day, your seller receives the money, and you'll get the keys to your new home.

After you move in, we’ll let you know in writing how much your first mortgage payment is, and when it will be taken. This will usually be more than your regular monthly payment, as it includes interest for the days between the date you moved in and the end of that month – plus your standard monthly payment for the following month.