From Application to Completion: How Long Does It Really Take?
From mortgage application to completion, here’s how long the process really takes and what can speed things up.
Applying for a mortgage is exciting, but the waiting game can feel endless. Most buyers want to know one thing: how long will it take until the keys are in my hand?
The truth is, there is no single answer. Timelines vary depending on the lender, solicitor, property, and chain. But there are averages — and ways to speed things up. Let’s break it down.
Mortgage application to offer
Typically 2 to 4 weeks. This covers initial checks, credit search, affordability, valuation, and underwriting.
Offer to exchange of contracts
Usually 4 to 8 weeks. This period involves solicitors handling searches, contracts, and raising enquiries.
Exchange to completion
Often 1 to 2 weeks. Once contracts are exchanged, completion can be set. In some cases, it is the same day.
Factors that can delay the process
Property chains, slow responses to solicitor queries, valuation issues, or missing paperwork can all add weeks.
Ways to speed things up
Get documents ready early, respond quickly to requests, choose a proactive solicitor, and work with a broker to avoid mistakes.
The Bottom Line
From start to finish, the average timeline is 8 to 12 weeks. Some cases are quicker, others longer. The key is preparation and communication at every stage.
Your home may be repossessed if you do not keep up repayments on your mortgage or other loan secured against it.
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On average, 8 to 12 weeks from application to completion.
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Yes. With straightforward cases and good preparation, it can be completed in as little as 6 weeks.
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Property chains, solicitor backlogs, and missing paperwork are the most common causes.
