{"id":1825,"date":"2020-09-22T10:53:48","date_gmt":"2020-09-22T10:53:48","guid":{"rendered":"https:\/\/www.yopa.co.uk\/homeowners-hub\/?p=1825"},"modified":"2020-09-22T11:36:09","modified_gmt":"2020-09-22T11:36:09","slug":"the-mortgage-timeline","status":"publish","type":"post","link":"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/the-mortgage-timeline\/","title":{"rendered":"The mortgage timeline"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">With only 30%\nof homes in the UK being owned outright, the reality is that the vast majority\nof home buyers will need to seek a mortgage when they decide to buy a property.\n<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For the uninitiated, a mortgage is essentially a loan which is secured against the value of the home until it is completely repaid. Most mortgages will be for a period of 25 years, but it&#8217;s possible to arrange a shorter- or longer-term mortgage depending on your age and circumstances.\u00a0 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Whilst it may sound complicated, the\nprocess to apply for and receive a mortgage offer is actually pretty\nstraightforward as long as you allow yourself plenty of time. There is no set period for how long\nit will take for a mortgage to be approved, however, between two and six weeks\nis generally considered average. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There&#8217;s certainly plenty to consider before you even think about applying for a mortgage.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For instance, it&#8217;s crucial to know your property budget by working out how much you should be able to borrow via a <a href=\"https:\/\/www.moneysavingexpert.com\/mortgages\/mortgage-rate-calculator\/\">mortgage calculator<\/a>. You also need to make sure that you&#8217;ve set aside sufficient funds for the deposit (generally around 5-20% of the total property price) and <a href=\"https:\/\/www.which.co.uk\/money\/mortgages-and-property\/first-time-buyers\/buying-a-home\/the-cost-of-buying-a-house-asdg78z63xuq\">associated moving costs<\/a> such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>mortgage fees and charges<\/li><li>valuation fees<\/li><li>property survey costs<\/li><li>conveyancing (legal) fees<\/li><li>removal costs<\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">You also need to do your research to find out what mortgage deals are out there and the <a href=\"https:\/\/www.which.co.uk\/money\/mortgages-and-property\/mortgages\/types-of-mortgage\/mortgage-types-explained-af1319h2cmck\">type of mortgage<\/a> you are after before you decide on a lender. <a href=\"https:\/\/www.which.co.uk\/money\/mortgages-and-property\/mortgages\/getting-a-mortgage\/choosing-a-mortgage-broker-a26cg5u83k9q\">Mortgage brokers<\/a> can be extremely helpful in finding the best deal to suit your individual circumstances and streamlining the mortgage application process, particularly if you are a first time buyer or self-employed.\u00a0 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Once you have your budget, deposit and your preferred lender in place, the process from application to mortgage offer is as follows.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"130\" src=\"https:\/\/yopa-production-wordpress-content.s3.eu-west-1.amazonaws.com\/homeowners-hub\/uploads\/2020\/09\/mortgage-application-timeline-1024x130.png\" alt=\"\" class=\"wp-image-1826\" srcset=\"https:\/\/cdn.yopacrm.yopa.co.uk\/homeowners-hub\/uploads\/2020\/09\/mortgage-application-timeline-1024x130.png 1024w, https:\/\/cdn.yopacrm.yopa.co.uk\/homeowners-hub\/uploads\/2020\/09\/mortgage-application-timeline-300x38.png 300w, https:\/\/cdn.yopacrm.yopa.co.uk\/homeowners-hub\/uploads\/2020\/09\/mortgage-application-timeline-768x98.png 768w, https:\/\/cdn.yopacrm.yopa.co.uk\/homeowners-hub\/uploads\/2020\/09\/mortgage-application-timeline-50x6.png 50w, https:\/\/cdn.yopacrm.yopa.co.uk\/homeowners-hub\/uploads\/2020\/09\/mortgage-application-timeline-1500x191.png 1500w, https:\/\/cdn.yopacrm.yopa.co.uk\/homeowners-hub\/uploads\/2020\/09\/mortgage-application-timeline.png 1785w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\"><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Prepare the paperwork for your application<\/strong> <\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Although you aren\u2019t applying for a mortgage just yet, it can\nnevertheless speed up the application process by getting your paperwork in\norder as early as possible. Most mortgage lenders will require the following:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Proof of identity <em>(e.g. passport or driving licence)<\/em><\/li><li>Proof of address <em>(e.g. a bank statement, utility or council tax bill\ndated within the last 3 months) <\/em><\/li><li>Details of employment <em>(e.g. a P60 and payslips for the previous three\nmonths for employees and three years of accounts, tax assessments, tax return\nand accountant statements for self-employed applicants. Proof of income can be\na little trickier for self-employed applicants which is where a mortgage broker\ncomes in handy.)<\/em> <\/li><li>Details of your outgoings <em>(this includes three to six months of bank\nand credit card statements, loan information, any car finance or hire details\nand things like childcare and regular travel costs)&nbsp; <\/em><\/li><li>Proof of deposit <em>(if this has been gifted or supplemented by an\noutside party such as parents then you will need to include a letter from them\nconfirming the gift) <\/em>&nbsp;<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Request a mortgage decision\/agreement in principle<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">As the name suggests, this document from the mortgage lender confirms\nthat, in principle and subject to the application being successful, they would\nbe willing to lend you the specified amount of money. As noted above, this will\nonly be valid for around 6-9 months (depending on the lender) and generally\ninvolves a credit check which can have an impact on your overall <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/how-many-points-does-an-inquiry-drop-your-credit-score\/#:~:text=According%20to%20FICO%2C%20a%20hard,The%20drop%20is%20temporary.\">credit score<\/a>, so do not request a decision in\nprinciple unless you are seriously considering a property. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Make an offer on a home <\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">You can make an offer on a property at any point since this isn\u2019t\nlegally binding until you exchange contracts. However, the vendor will generally\nwant to see a mortgage in principle before they accept an offer and take the\nproperty off the market or include \u201csold subject to contract\u201d in the listing.\nThe vendor may also be part of a chain to purchase their next property, so it\nworks in your favour to have started the mortgage process before you make a\nserious offer on a home.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Submit your mortgage application <\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Once your offer has been accepted by a vendor, this is the time to make\nyour formal mortgage application to your chosen lender. The lender will then\nassess both you (via the paperwork you will submit and a credit check) and the\nproperty you intend to purchase (via a valuation) to ensure it is worth the\namount you have offered and would cover the value of their loan should you\ndefault on payments. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Mortgage offer received <\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If your application passes a lender\u2019s loan criteria, they will make a\nformal mortgage offer within around 18-40 days of you submitting the\napplication depending on the complexity of the application, any requests for\nfurther documentation, the results of the valuation and their current\nworkload.&nbsp; <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your mortgage offer is then valid for 6 months (3 months for a remortgage offer) and you conveyancer will make the necessary arrangements to move funds from your mortgage lender to your vendor\/the vendor\u2019s conveyancer on the date of completion.\u00a0 <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the lender choses not to offer the mortgage loan, find out why this\nis the case so that you can rectify any issues before reapplying or applying to\nanother lender in future. It is important to remember that making a number of\napplications in a short space of time can have a negative impact on your credit\nscore, so do not rush into reapplying for a mortgage and think about seeking\nadvice from a broker while you consider your next steps. <\/p>\n\n\n<div class=\"valuation-widgets\">\n    <div class=\"valuation-widgets__col\">\n        <a href=\"https:\/\/www.yopa.co.uk\/online-valuation\" class=\"valuation-widget\">\n            <div class=\"media\">\n    <div class=\"media__media\">\n        <img decoding=\"async\" src=\"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-content\/themes\/yopa\/assets\/images\/icon-house.svg\" alt=\"\" role=\"presentation\">    <\/div>\n    <div class=\"media__inner\">\n        <div class=\"media__heading\">\n            Instant online <span class=\"chevron\">valuation<\/span>        <\/div>\n        <div class=\"media__content\">\n            <p>Get a rough estimate of your home's value now.<\/p>        <\/div>\n    <\/div>\n<\/div>\n        <\/a>\n    <\/div>\n    <div class=\"valuation-widgets__col\">\n        <a href=\"https:\/\/www.yopa.co.uk\/property-valuation\" class=\"valuation-widget\">\n            <div class=\"media\">\n    <div class=\"media__media\">\n        <img decoding=\"async\" src=\"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/wp-content\/themes\/yopa\/assets\/images\/icon-currency.svg\" alt=\"\" role=\"presentation\">    <\/div>\n    <div class=\"media__inner\">\n        <div class=\"media__heading\">\n            Face-to-face <span class=\"chevron\">valuation<\/span>        <\/div>\n        <div class=\"media__content\">\n            <p>Book an appointment with your local Yopa agent.<\/p>        <\/div>\n    <\/div>\n<\/div>\n        <\/a>\n    <\/div>\n<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>With only 30% of homes in the UK being owned outright, the reality is that the vast majority of home buyers will need to seek a mortgage when they decide to buy a property. For the uninitiated, a mortgage is essentially a loan which is secured against the value of the home until it is<\/p>\n","protected":false},"author":4,"featured_media":1827,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1825","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buying"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>The mortgage timeline - Yopa Homeowners Hub<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/dy36-2.stage.yopa-dev.co.uk\/homeowners-hub\/the-mortgage-timeline\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"The mortgage timeline - Yopa Homeowners Hub\" \/>\n<meta property=\"og:description\" content=\"With only 30% of homes in the UK being owned outright, the reality is that the vast majority of home buyers will need to seek a mortgage when they decide to buy a property. 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