This is the question every client asks once their offer is accepted. While every chain is different, here is a realistic timeline of what happens “behind the curtain.”

Stage 1: The Application (Weeks 1–2)
Once your offer is accepted, we submit your full application to the lender. They will review your documents (the checklist!) and instruct a valuation to check the property is worth what you are paying.

Stage 2: The Mortgage Offer (Weeks 2–4)
If the valuation is fine and your documents pass the stress test, the lender issues a formal “Mortgage Offer.” This is your golden ticket. It confirms the money is yours.

Stage 3: The Legal Work (Weeks 4–12+)
This is usually the longest part. Your solicitor conducts searches (checking for mine shafts, flood risks, planning issues) and raises enquiries with the seller’s solicitor.

• Note: A “Freehold” purchase is usually faster than a “Leasehold” purchase.

Stage 4: Exchange & Completion Once all queries are answered, you “Exchange Contracts.” This is the point of no return. Usually, “Completion” (getting the keys) happens 1 or 2 weeks after exchange.

Total Time?
In a straightforward purchase with no chain, it can be done in 8–10 weeks. If you are in a long chain, allow 12–16 weeks.