The time it takes to get a mortgage can vary depending on a very large number of factors. Typically, it can be anything from 4 to 8 weeks.

OK, but will you be able to give me a rough idea?

Yes, we should be able to give you a very good estimate of how long it will take when you decide to apply with the lender we recommend. We'll know this because we'll understand your needs and requirements really well by this point, as well as how long the processing team on the lender's side usually take.

Online application on the Habito website

When you sign up, filling in your information on our website shouldn't take you longer than 10 minutes.

Our advisers' job is to fully understand your needs and circumstances, so you can take as long as you need when you speak to them on live chat or on the phone. A straightforward case may be covered in a 5-minute conversation, whereas a more complex one might need half an hour; we'll always take the time to listen and make sure we've got everything right before providing you with a tailored mortgage recommendation as a result. 

The recommendation itself and a decision on your Agreement in Principle can take anything from 1 to 48 hours, depending on the case, urgency and when we receive all your documents.

Will you keep me updated?

We understand how important it is to know where your application is at all times and we try to make an opaque and manual part of the process as transparent as possible.
The timeframes after we have submitted your mortgage application depend largely on the lender's processing times and the specifics of each case. This can typically be anywhere between 2-4 weeks. 

Even though we are familiar with their timescales, our Case Management team is in non-stop contact with the lenders, looking for updates regarding our cases.

We’ll keep you informed every day on the progress so you’re never in the dark and it’s a safe bet that no-one else can get it done quicker.

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