One of the most common questions homebuyers ask is: “How long will it take for my mortgage to be approved?”
The truth is, there’s no single answer — approval times can vary depending on the lender, your personal circumstances, and how well your case is packaged. The difference between a smooth, well-prepared application and one full of missing information can mean the difference between approval in a week and waiting three or more weeks.
At Mortgage Knight, we handle applications every day, and our role is to make sure your file is watertight before it even reaches the underwriter — cutting out delays and maximising your chances of fast approval.
Agreement in Principle (AIP): Often instant online or within 24 hours via a broker.
Well-packaged standard application: Around 5–7 working days to full approval if everything is in place.
Complex cases: Up to 2–3 weeks, especially for self-employed, contractors, or if credit history checks take longer.
Mortgage offer validity: Once approved, offers usually last 3–6 months, giving you time to complete the purchase.
A clean, complete application with all documents supplied upfront can be approved within a week. Missing paperwork is the number one cause of delays.
Straightforward employed buyers: Often fastest. Contractors/self-employed: May take longer as lenders verify income differently. Adverse credit: Underwriters may request more evidence.
Some banks are faster than others. A high-street lender under pressure might take longer than a smaller building society with a specialist underwriting team.
Even if the mortgage is approved, the property valuation and solicitor work can add to the timeline.
Profile: Employed teacher, 10% deposit.
Timeline:AIP in 24 hours; application approved in 6 working days thanks to all documents provided upfront.
Outcome: Full offer in under a week.
Profile: IT contractor with a limited company.
Timeline:Needed contract evidence and bank statements; application took just under 3 weeks as underwriters reviewed income history.
Outcome: Offer approved with minimal stress.
Profile: Homeowners looking to switch before fixed rate ended.
Timeline: A straightforward case; offer issued in 8 working days.
Outcome: Remortgage completed well before the old deal expired.
With the right broker and all documents provided, it’s possible in as little as one week.
Complex income, gaps in documents, or lender backlogs can extend the process to 2–3 weeks.
Most offers are valid for 3–6 months, depending on the lender.
Yes — by using a broker, providing all documents upfront, and choosing a lender with efficient underwriting.
It can, as lenders may request extra evidence, but with the right packaging we ensure this doesn’t cause unnecessary delays.
We know which lenders move quickest and how to prepare an application that avoids delays. Whether you’re a first-time buyer, contractor, or remortgaging, we’ll make sure your case is packaged correctly for fast approval.
