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There are four stages when getting a mortgage:

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

Read more about the full mortgage process here

From the initial meeting with the mortgage lender/broker to getting your mortgage offer, it 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 your mortgage offer, as your solicitor can't help you with this.

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Conveyancing Process: Getting a mortgage & how to fund buying a home

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The mortgage application process takes longer than you think. You can get a DIP/AIP very quickly however you need to make sure you get your formal application submitted to get a Mortgage in Principle (MIP).

Once you have a mortgage in principle, the lender will value the property and only then will you get your mortgage offer. From start to finish, it can be as quick as 2 weeks and as long as 5 weeks.


Andrew Boast FMAAT MIC is co-founder of SAM Conveyancing.