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Your lender needs to make certain checks before agreeing to your loan. If you talk to them nicely you may be able to find out how you can speed this process up.
A simple example is the employers' references. A call from you to your boss or personnel dept can get them to turn around the lender's request for earnings confirmation much more quickly.
If you're leaving another lender they may well drag their feet so your new lender may be happy just to see your old mortgage statements Ask them.
If you're getting a mortgage to buy a new home, you probably should be in a hurry. You want to buy it before someone else does.
But the question to consider is: how quickly do you have to move as opposed to how quickly do you want to move.
This may depend largely on the sellers: Are they desperate to get things completed? Or is their new home stuck in a slow moving chain?
If their purchase falls through, and you've sold your own house, it could mean you end up having to pay expensive rent for months.
So while it's usually a race to buy your home, remeber that it's usually a long distance one and perhaps it's a good idea to pace yourself.
If
you get caught out and need to buy your new home before you've sold your old one
you could revert to a bridging loan, but - like short-term accomodation
- these are expensive. Click here to
read more about bridging loans.
(If you want
to speed up your application see above)
To read more on this subject please see the list below or your mortgage guide or your home buying guide
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Be prepared for weeks
of frustration
Get ready
to hassle
How
to get organised
What
causes delays
Speeding
up your mortgage application
But
are you really in a hurry?
Exchanging
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Your Home Buyer's Guide Full Contents
Save time money and effort with all the latest tips and trade secrets.
We tell you everything you need to win the race for that dream home... how to get your seller's Estate Agent onto your side... how to get properties for a 30% plus discount.. how avoid being gazumped at the last minute and more.
Click on your chosen subject below to access this invaluable FREE information.
Please note, this information is NOT necessarily RELEVANT in Scotland
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How to Find Your New Home / Property
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