What Actually Happens After You Submit a Mortgage Application?
What happens after you submit a mortgage application? Learn the step-by-step process and what lenders check before approval.
Submitting a mortgage application can feel like a big moment — and it is. But what happens next is often less clear. Many buyers expect a quick yes or no, but in reality, there’s a detailed process behind the scenes.
Here’s exactly what to expect after you’ve submitted your mortgage application.
Stage 1: Lender checks your documents
The lender will go through the documents you’ve provided — payslips, bank statements, proof of ID — to make sure everything adds up. They’re looking for consistency, affordability, and evidence that your income is reliable.
Stage 2: Credit assessment
A hard credit check is carried out. This shows the lender your history of borrowing, repayments, and any red flags such as missed payments or defaults. It helps them assess how much of a risk you are to lend to.
Stage 3: Affordability checks
Lenders don’t just look at your income. They also check your outgoings — things like loans, credit cards, childcare costs, and other commitments. This ensures you can afford the repayments alongside your current lifestyle.
Stage 4: Property valuation
The lender arranges a valuation of the property. This isn’t just for your benefit — it’s to make sure the property is worth what you’re paying and suitable security for the loan.
Stage 5: Underwriting
An underwriter will review your whole application to make the final call. This is where the full picture is considered: credit history, affordability, property details, and overall risk.
Stage 6: The mortgage offer
If everything checks out, the lender issues your formal mortgage offer. This document sets out the terms of your loan and how long the offer is valid for (usually up to 6 months).
The Bottom Line
The process after submitting your mortgage application is detailed, but each stage is designed to protect both you and the lender. Knowing what’s happening behind the scenes can make the wait less stressful.
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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Typically 2–6 weeks, depending on how quickly documents and valuations are completed.
Will the lender contact my employer?
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Sometimes. Lenders may contact employers to confirm income and job details.
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Yes. If issues come up with your credit, affordability, or the property, the lender can still decline.
