Preparation tool
Application preparation timeline
Choose the month you would like to be speaking to a qualified adviser. The tool works backwards through preparation steps that are within your own control.
Application preparation timeline
This 90-day structure is our suggestion
The three phases are a Before You Apply organisational framework for getting your own information in order. They are not a lender rule, a legal timetable, an application timetable or a completion timetable. What an adviser, a lender or a solicitor or conveyancer actually asks for varies, as does the timing of a property transaction, which differs between England and Wales, Northern Ireland and Scotland. Some steps that involve third parties — such as asking an organisation to look into information it holds about you — can take as long as they take, so it can help to start those early.
Related guidance
Optional educational preparation resources. Nothing here is mortgage advice, a lender or product recommendation, an eligibility assessment or a prediction of whether an application would be accepted.
- Mortgage Preparation Starter Checklist — free
A one-page starting point for the paperwork most people are asked for.
- Readiness checker
Eight broad preparation questions. It never says whether you would be eligible, approved or declined.
- 90-Day Mortgage Readiness Planner — £7.99
A preparation resource, not mortgage advice or a lender recommendation. Purchases are not switched on yet.