Delays in mortgage applications usually come from missing documents, unclear information, or waiting for third parties. The good news is that most of these setbacks can be avoided with the right preparation. This is exactly where a broker like me becomes invaluable, as trying to manage the process alone can be very challenging. Having a professional guide who keeps everything moving and reduces the risk of nasty surprises can be essential, and this is the best way to avoid delays.
Have All Your Documents Ready Before You Apply
Missing or incorrect paperwork is the number one cause of delays. Lenders want a full picture before they assess affordability. I will tell you exactly what is needed and make sure nothing is overlooked.
Payslips
Bank statements
ID and proof of address
Evidence of your deposit
Solicitor and estate agent details (full name, phone, email and address)
Accounts and SA302s for self-employed applicants
Checking Your Credit Report(s) Before You Apply
Lenders often pause an application if they find unexpected information. Reviewing your full credit file before applying helps avoid those pauses. I will check this with you and highlight anything that may slow things down.
Using a multi-agency report such as Check My File helps you spot old addresses, incorrect markers or outdated accounts that could otherwise complicate the lender’s checks.
Have a read of this helpful article on my website: ‘Why I always suggest using Check My File’.
Keep Your Finances Steady While the Application Is in Progress
Underwriters look closely at bank statements for certain things. Large cash deposits, drastic spending changes, or new credit accounts can all raise questions. I will guide you on what to avoid and how to present your finances clearly and properly.
Avoid large unexplained cash deposits
Do not take out new credit
Ensure bills are up to date
Choose a Lender That Fits Your Circumstances
Some lenders take longer than others, depending on criteria and workload. Choosing the wrong lender is one of the biggest causes of delays. A whole-of-market broker like me knows which lenders are suitable for your situation, whether you are self employed, a contractor or have credit challenges. This prevents wasted time and avoids unnecessary refusals.
Respond Quickly to Requests for Information
Underwriters may ask for updated statements, explanations for certain transactions, proof of savings, or extra ID if something does not match. Fast responses keep your application moving. I will help you understand exactly what is being requested and why it’s being asked for.
Make Sure Your Deposit Is Easy to Evidence
If the source of your deposit is unclear, lenders often pause the application. We can discuss the deposit trail, check that it’s clean and acceptable, and avoid future delays right from the start.
Gifted deposits must be documented properly
Savings should be in traceable accounts
Avoid moving money around unnecessarily
Prepare clear evidence of the deposit trail
Choose a Reliable Solicitor
Many delays are actually caused by solicitors rather than lenders. Good solicitors communicate clearly and work efficiently, while slower ones can stall the entire process. I know which firms perform well from dealing with hundreds of cases, and I only recommend those who have consistently kept cases moving.
Avoid Changing Jobs Mid-Application
If possible, keep employment stable during the application. Changing jobs or becoming self employed can force lenders to restart affordability checks. I can advise you on the timing of any changes so your application is not disrupted.
Keep Your Advisor Updated Throughout the Process
Changes in income, new financial commitments, property chain issues, or delays from builders or sellers can all affect your application. A broker needs to know these things straight away so I can prevent the need for re-underwriting or even a potential decline.
Why a Broker Makes the Whole Process Faster
While it is possible to apply for a mortgage on your own, it is far from easy. I will manage all the paperwork, anticipate lender questions, select the right lender from the start, and keep everything running smoothly. This support removes the stress of doing it alone and significantly reduces the risk of delays.
Your Broker – About Me
My name is Ian Smith and I’m a whole of market mortgage and protection advisor based in Essex. Feel free to have a look around my website where you’ll find plenty of helpful guides, tools and blogs that explain the process, all in plain and easy to understand English.
Better still, if you’d like to chat about a new mortgage, a remortgage or anything related to the home-buying journey, you’re very welcome to book an appointment with me. I’m here to make things easier for you and, as this blog explains, help you avoid the delays that catch many people out along the way.
