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Funding

 
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There are 4 stages when getting a mortgage:

  • Decision/Approval in principal (DIP or AIP)
  • Mortgage in principal (MIP)
  • Mortgage valuation
  • Mortgage offer

From initial meeting with the mortgage lender/broker to getting your mortgage offer can take upwards of 4 weeks, or 2/3 weeks from receiving your mortgage in principle. Make sure to keep on top of chasing your mortgage lender to get you mortgage offer as your solicitor can't help you with this.
 

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Get your proof of funds and gifted deposit letter (if applicable) to your solicitor as soon as possible to ensure there’s no unnecessary delays in the process.

Also, if you’re buying with a mortgage, you should book your lender’s mortgage valuation survey as soon as possible after you’ve instructed your solicitor because the process can take up to 3 weeks before you receive your mortgage offer.
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