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Most of the lenders publish their service standards on their website showing how long they are taking on average to produce mortgage offers.

Some of the lenders with swift turnaround times are also offering incredibly cheap rates. If you are in a rush to get a mortgage, there are some lenders that you probably should avoid for a while.

Aaron Strutt, product director at Trinity Financial, says: "We aim to send our clients mortgage applications to the lenders once we have all of the documentation they require. It slows the process by sending information separately as the lenders typically take a few days to open their post and re-assess cases." 

Mortgage lender Deposit required Average time to produce a mortgage offer via brokers
Barclays for Intermediaries Applicants will need a 15% deposit. The maximum loan size is £10 million. 10 days on average.
Bank of Ireland  10% deposit required. 20 working days via Bank of Ireland. The Bespoke team may quicker.
Halifax for Intermediaries  15% deposit required. Likely to be up to 10 days.
HSBC for Intermediaries Offering mortgages to borrowers providing they have 10% deposits.

Official data not available. Trinity recently had a case offered in 10 days.

Taking up to three weeks to book an appointment with a mortgage adviser when applying directly.

Metro Bank for Intermediaries  10% for residential and 25% for buy-to-let. Maximum loan £10 million. 10 days as standard but can be quicker.
NatWest for Intermediaries  Offering purchase and remortgage rates providing you have a 20% deposit. 12 days for a property purchase and 13 days for a remortgage.
Nationwide for Intermediaries 10% deposit for first-time buyer purchases and 15% for remortgages. 18 days on average. Up to 11 days to underwrite an application.
Santander for Intermediaries Purchase and remortgage applications available to borrowers with a 15% deposit and the maximum loan is £3,000,000. 16.7 days for residential and 18.9 days for buy-to-let.
Skipton for Intermediaries

Residential to those with a 15% deposit. 25% deposit required for buy-to-let.

10 working days.
Virgin Money for Intermediaries

15% deposit for residential cases and 25% deposit for buy-to-let.

The maximum mortgage loan size is £2,000,000. 

15 days.

Source: Trinity Financial

Call Trinity Financial on 020 7016 0790 to secure a residential or buy-to-let mortgage or send an enquiry

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