As you can imagine, application timings differ depending on the circumstances as it depends on what information is required by the underwriters – on average it is seven working days.
The valuation is instructed when the case has been checked to make sure we have the correct paperwork, this is usually no longer than three working days after we have received your application.
Sometimes our underwriters may need clarification on some of the information provided, which is normal for mortgage applications and something all lenders do. We have an obligation as a responsible lender to ensure everything is in order before issuing a formal mortgage offer. Rest assured, we do this as quickly as possible but it is important we carry out the right checks.
Any fees payable throughout the mortgage application process are non-refundable.