02/09/2026
Wondering why your mortgage application hasn't moved forward yet? 🤔
Once you've found a property, had an offer accepted and submitted your application, the next stage can sometimes feel like a waiting game.
While many applications progress smoothly, others can take longer than expected. A typical mortgage application can take around two to six weeks to be approved, but there are several factors that could delay it.
📄 Documentation checks: Missing payslips, bank statements or proof of deposit can put your application on hold until the information is provided.
🏠 Property valuation: If the valuation comes in below the purchase price, further checks may be needed.
💼 More complex circumstances: Self-employment, bonuses, commission or multiple-income sources often require additional evidence.
At Brunel Independent Mortgages, we have more than 20 years' experience helping clients navigate the mortgage process. As an independent, whole-of-market broker, we can look at your individual circumstances and identify lenders whose criteria may be appropriate.
If you are considering a mortgage, or already have an application underway and would like some advice, please do give us a call on 01752 200002 or get in touch via our website 🌐 https://bit.ly/4aVhTdI
