Our underwriters have collated the most common issues slowing down mortgage offers at the moment - and how you can avoid them to get your offer out without a hitch.
Missing portfolio schedule - this is the most common supporting evidence that's left out, but in all cases with background properties, please include it at the time of application.
Valuation fee not paid with submission of the application - if we need to request the fee and wait for it, there's an additional delay on your case of 1-3 days typically. It's best to pay this at the time of application if you can.
Additional post or documents sent in after the application - items or information received after submission are placed in a queue so it's best to send everything in one go if at all possible. You can see our current queue timings here.
Information requested - if additional information we have asked you for doesn't arrive, we check back that you'd like to proceed after 7 days.
Our Right-first-time page outlines everything we need to get your application offered as quickly as possible, and how to contact us if you have an unusual scenario.