Learn more about remortgaging guide in our detailed guide.

How long does a Decision in Principle take?

A Decision in Principle (DIP) is usually instant when applying online, or within 24 hours if manual review is needed. It's based on a credit check and your stated income, not a full application.

What causes delays in mortgage applications?

The main causes of delays are missing or incorrect documents, complex income situations (self-employment), property issues found during valuation, and slow responses to lender queries. Having all documents ready before applying speeds up the process.

How long does a mortgage valuation take?

The mortgage valuation is typically booked within 1 week of application. The actual valuation visit takes 15-30 minutes, with the report usually returned to the lender within 2-5 working days.

Can I speed up my mortgage application?

Yes, you can speed up approval by having all documents ready before applying, responding quickly to any queries, choosing lenders known for fast processing, and ensuring your property is straightforward to value.

Quick Answer

How Long Does Mortgage Approval Take in the UK?

Last reviewed: December 2025

Reviewed by Jay Sabine – CeMAP Qualified – 29 years experience

Mortgage approval typically takes 2-6 weeks from application to formal offer.

The mortgage approval timeline varies depending on your circumstances and the lender. A straightforward application with complete documentation can receive a Decision in Principle within minutes online, and a full mortgage offer within 2-3 weeks. However, complex cases like self-employment, adverse credit, or unusual properties may take 4-6 weeks or longer. The valuation booking, underwriting queue, and any queries raised by the lender all affect timing.

Your home may be repossessed if you do not keep up repayments on your mortgage. Your Home Finance Ltd is authorised and regulated by the Financial Conduct Authority (FCA 989177).

Key Points

1Decision in Principle (DIP): Usually instant to 24 hours
2Full application to offer: Typically 2-4 weeks for standard cases
3Complex cases (self-employed, adverse credit): 4-6+ weeks
4Property valuation: Usually booked within 1 week of application
5Missing documents are the main cause of delays
6Some lenders have faster underwriting than others

Eligibility Criteria

Complete and accurate application with all supporting documents
Clear credit history speeds up underwriting
Employed applicants generally process faster than self-employed
Standard property types valued quicker than unusual construction
Responsive communication with your broker and lender

Typical Timeframe

Decision in Principle: Same day. Full mortgage offer: 2-4 weeks (straightforward) or 4-6 weeks (complex). Exchange and completion: Additional 4-8 weeks after offer.

Next Steps

1Gather all documents before applying (ID, proof of income, bank statements)
2Get a Decision in Principle before house hunting
3Respond quickly to any lender queries or document requests
4Choose a broker who can recommend faster-processing lenders if needed
5Be prepared for solicitor and survey timelines after mortgage offer

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How Long Does Mortgage Approval Take in the UK?

Key Points

Eligibility Criteria

Typical Timeframe

Next Steps

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