Buy to Let calculator

Current Speeds

Buy to Let
Happy & Healthy
Happy & Healthy
Happy & Healthy
Happy & Healthy
Happy & Healthy
  • AIP = Auto decision
  • New applications = 2 working days
  • Additional document = 2 working days

Our Processing Times

Residential

AIP
Agreement in principle: 24 hours

Application
Pre offer - Initial underwriting: 2 working days
Document assessment: 2 working days

Valuation
Percentage of valuations completed within 10 working days: 77%

Offer
Time from application to offer: 17 working days

All times shown are based on average working days

Last updated 29 October 2024.
  • AIP = Auto decision
  • New applications = 2 working days
  • Additional document = 2 working days

Our Processing Times

Buy to Let

AIP
Agreement in principle: Auto decision

Application
Pre offer - Initial underwriting: 2 working days
Document assessment: 2 working days

Valuation
Percentage of valuations completed within 10 working days (Buy to let): 67%
Percentage of valuations completed within 10 working days (HMO, MUB): 54%

Offer
Time from application to offer: 17 working days

All times shown are based on average working days

Last updated 29 October 2024.
  • AIP = 24 hours
  • New applications = 1 working day
  • Additional document = 1 working day

Our Processing Times

Refurbishment Buy to Let

AIP
Agreement in principle: 24 hours

Application
Pre offer - Initial underwriting: 1 working days
Document assessment: 1 working days

Valuation
Percentage of valuations completed within 10 working days (Light refurbishment): 81%

Offer
Post offer (completions): 2.5 working days
Time from application to offer: 20 working days

All times shown are based on average working days

Last updated 29 October 2024.
  • AIP = 4 hours
  • New applications = 1 working day
  • Additional document = 1 working day

Our Processing Times

Bridging

AIP
Agreement in principle: 4 hours

Application
Pre offer - Initial underwriting: 1 working days
Document assessment: 1 working days

Valuation
Percentage of valuations completed within 10 working days (Standard bridging): 81%
Percentage of valuations completed within 10 working days (Light refurbishment): 81%
Percentage of valuations completed within 10 working days (Heavy refurbishment): 81%

Offer
Post offer (completions): 2.5 working days
Time from application to offer: 16 working days

All times shown are based on average working days

Last updated 29 October 2024.
  • AIP = NA
  • New applications = NA
  • Additional document = NA

Our Processing Times

Product Transfers

5 days from receipt of authority to produce the KFI.

5 days from request for offer to produce offer.

5 days to process offer acceptance.

Signed acceptance of offer required at least 1 clear calendar month before current mortgage product ends.

Last updated 29 October 2024.

Documents

To submit this case you will need to have the following documents ready:

  • A detailed list of documents will be provided once we’ve received your case but you may need to provide the following additional documents if the applicant is not on the voters roll or doesn’t pass electronic ID checks
  • Proof of ID
  • Proof of address

Continue to apply

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