How Long Does a Mortgage Application Take?

When you’re buying a home, one of the biggest questions people ask is: how long does a mortgage application actually take?
The truth is, there’s no single answer — it depends on your circumstances, the lender, and how quickly documents are provided. But understanding the stages can make the process far smoother.

1. The Initial Consultation (1–2 Days)

The journey begins with an initial consultation with your mortgage adviser. This is where your financial situation, goals, and preferences are discussed.

If you are unsure of what a mortgage advisor does, read out blog on What Is The Role Of A Mortgage Advisor.

2. The Agreement in Principle (AIP)

Once your adviser has your documents, they can usually secure an Agreement in Principle within 24 hours however this will vary between every mortgage advisor. An AIP shows sellers and estate agents that you’re serious about buying, and it’s a vital step before making an offer.

If you’re a first-time buyer, you can read more about this stage in our guide: What You Need to Know as a First-Time Home Buyer

3. Full Mortgage Application (Up to 2 Weeks)

Once your offer is accepted, your adviser submits the full mortgage application. This involves verifying income, reviewing documents, and carrying out a valuation on the property.

Delays can occur if:

• Documents are missing or inconsistent
• The lender requests additional checks
• The property valuation raises questions

Working with an experienced broker can help avoid most of these issues. We handle the paperwork and communication with the lender for you.

4. Underwriting and Valuation (2–4 Weeks)

This is the most variable stage. Lenders’ underwriting teams will review your finances, credit profile, and supporting documentation in detail. A surveyor will also inspect the property to confirm its value.

While some lenders complete this within a week, others may take up to four weeks, especially during busy periods.

If your situation is more complex — for example, self-employed or buying with a gifted deposit — this stage might take slightly longer.
You can learn more about gifted deposits in our article: Everything You Need to Know About Gifted Deposits

5. Mortgage Offer Issued (Usually 4–6 Weeks Total)

Once the lender is satisfied with all checks, they issue a formal mortgage offer. This is when your solicitor can start finalising the legal work and move towards exchange and completion.

At this point, your adviser will go through the offer with you in detail to ensure all terms are correct.

6. Completion (6–12 Weeks Overall)

From start to finish, most mortgage applications can take between 6 to 12 weeks.
However, with prompt document submission and clear communication between all parties, we have seen clients complete in as little as 4 weeks.

Tips to Speed Up Your Mortgage Application

• Prepare your documents early (payslips, bank statements, ID)
• Respond quickly to your adviser’s requests
• Be transparent about credit commitments
• Ensure your deposit funds are clearly traceable

Final Thoughts

The mortgage process doesn’t have to be stressful or confusing.
By understanding the timeline and working closely with your adviser, you can keep things moving efficiently and avoid unnecessary delays.

The timeframes mentioned in this article are general estimates based on typical lender processing times and can vary depending on individual circumstances. Factors such as the complexity of your application, the type of property, the lender’s current service levels, and how quickly documents are provided can all affect how long it takes to receive a mortgage offer.

Not all lenders follow the same process, and not all mortgage advisers operate in the same way. The information provided is for guidance only and should not be taken as financial advice. For tailored advice based on your specific situation, please speak directly with a qualified mortgage adviser at Turtle Mortgages.