{"id":2468213,"date":"2021-11-16T16:14:03","date_gmt":"2021-11-16T16:14:03","guid":{"rendered":"https:\/\/hometruthslancs.co.uk\/?p=2468213"},"modified":"2021-11-16T16:14:40","modified_gmt":"2021-11-16T16:14:40","slug":"how-long-does-a-mortgage-offer-last","status":"publish","type":"post","link":"https:\/\/brightred.dev\/hometruths\/how-long-does-a-mortgage-offer-last\/","title":{"rendered":"How long does a mortgage offer last?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"2468213\" class=\"elementor elementor-2468213\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c56ee39 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c56ee39\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-eff88c9\" data-id=\"eff88c9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e74e119 elementor-widget elementor-widget-text-editor\" data-id=\"e74e119\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.3 - 12-04-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p><span style=\"font-weight: 400;\">Dealing with the complexities that mortgages bring can be tricky. There are many different things to think about, and questions to ask. So, it\u2019s best to know some of the basics that can help it run as smoothly as possible. One of the questions you will probably ask is how long does a mortgage offer last?<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c34530 elementor-widget elementor-widget-image\" data-id=\"8c34530\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.3 - 12-04-2022 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"900\" height=\"600\" src=\"https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/1.png\" class=\"attachment-full size-full\" alt=\"how long does a mortgage offer last\" loading=\"lazy\" srcset=\"https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/1.png 900w, https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/1-300x200.png 300w, https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/1-768x512.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7026f12 elementor-widget elementor-widget-spacer\" data-id=\"7026f12\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.3 - 12-04-2022 *\/\n.e-container.e-container--row .elementor-spacer-inner{width:var(--spacer-size)}.e-container.e-container--column .elementor-spacer-inner,.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fb33e2b elementor-widget elementor-widget-text-editor\" data-id=\"fb33e2b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">The average time a mortgage offer lasts is between 3 to 6 months from the issue date. However, this can vary depending on the lender and the type of mortgage.<\/span><\/p><p><span style=\"font-weight: 400;\">While it is possible to extend your mortgage offer after this period, you must inform whoever your lender is. <\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-88201fc elementor-widget elementor-widget-heading\" data-id=\"88201fc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.6.3 - 12-04-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h2 class=\"elementor-heading-title elementor-size-default\">What kind of Mortgages are there?<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9dd6e51 elementor-widget elementor-widget-spacer\" data-id=\"9dd6e51\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c07565 elementor-widget elementor-widget-text-editor\" data-id=\"2c07565\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">There are many, many types of mortgages that span from purchasing a first home to business-related mortgages. Here are some of the most common;<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"2\"><b>Repayment <\/b><span style=\"font-weight: 400;\">&#8211; The basis of the majority of loans.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"2\"><b>Interest-only<\/b><span style=\"font-weight: 400;\"> &#8211; You only pay the interest back on the mortgage. Whilst this can seem like a good option, it can also sneak up as you are liable for the capital borrowed once the term ends.<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fixed <\/b><span style=\"font-weight: 400;\">&#8211; A mortgage with a fixed interest rate for a certain amount of time; which can vary from up to two years to up to ten!<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Variable <\/b><span style=\"font-weight: 400;\">&#8211; Usually, this option refers to the lender&#8217;s standard rate on which the lender will base their products on. The interest rate is aligned with the Bank of England\u2019s standard rate as well as their own which could lead to rising interest rates.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Trackers <\/b><span style=\"font-weight: 400;\">&#8211; Trackers follow an interest rate that is at a set amount. These rates typically follow the base rate of the Bank of England. This enables the lender to determine if your mortgage goes up or down depending on if they up their interest rates or drop them.<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e37038d elementor-widget elementor-widget-spacer\" data-id=\"e37038d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8c81e77 elementor-widget elementor-widget-image\" data-id=\"8c81e77\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"900\" height=\"600\" src=\"https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/2.png\" class=\"attachment-full size-full\" alt=\"how long does a mortgage offer last\" loading=\"lazy\" srcset=\"https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/2.png 900w, https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/2-300x200.png 300w, https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/2-768x512.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f76447f elementor-widget elementor-widget-spacer\" data-id=\"f76447f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ecdd8d elementor-widget elementor-widget-text-editor\" data-id=\"2ecdd8d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Capped rate <\/b><span style=\"font-weight: 400;\">&#8211; While difficult to find nowadays, a Capped rate allows your interest rate to stay at a fixed level, while you could also see it lower.<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>First time buyer <\/b><span style=\"font-weight: 400;\">&#8211; This type of mortgage is tailored to first-time buyers trying to get on the property ladder.\u00a0<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>High percentile<\/b><span style=\"font-weight: 400;\"> &#8211; This is designed to help buyers who perhaps don\u2019t have the funding for a deposit for a property.\u00a0<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Flexible <\/b><span style=\"font-weight: 400;\">&#8211; This mortgage option is often for buyers who are self-employed or have an unsteady income month to month.<\/span><\/li><\/ul><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cashback <\/b><span style=\"font-weight: 400;\">&#8211; Cashback mortgages work in a way that the borrower will gain a certain percentage back on the loan. As always, be aware of the interest rate.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Buy to let <\/b><span>&#8211; This option is for buyers who are looking to let\/rent out the house after purchase, the details on this mortgage option will be different compared to other options.<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-75ac35a elementor-widget elementor-widget-heading\" data-id=\"75ac35a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">How do I apply for a mortgage?<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-db41629 elementor-widget elementor-widget-spacer\" data-id=\"db41629\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-df7e650 elementor-widget elementor-widget-image\" data-id=\"df7e650\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"900\" height=\"600\" src=\"https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/3.png\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/3.png 900w, https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/3-300x200.png 300w, https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/3-768x512.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d35075 elementor-widget elementor-widget-spacer\" data-id=\"5d35075\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5eedc9e elementor-widget elementor-widget-text-editor\" data-id=\"5eedc9e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Whilst you are considering how long does a mortgage offer last, you first need to know how to apply for one. The process of applying for a mortgage may seem strenuous and long, and in some cases it is. Firstly, it is important to check your credit reports either through credit reference agencies or through a paid subscription (as well as the <a href=\"https:\/\/www.moneysavingexpert.com\/mortgages\/mortgage-rate-calculator\/\">free online services<\/a>).<\/span><\/p><p><span style=\"font-weight: 400;\">As long as you are prepared with the essentials that will be highlighted on your application form and listed below, you will be on a good course.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your payslips from the past three months.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Bank statements from your current account from the last three to six months.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your utility bills.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any proof of benefits you have received.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A form of identity whether that be passport or driving license<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If you are self-employed, a statement of two to three years\u2019 accounts from an accountant.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A P60 form from your employer.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SA302 tax return form only if you are self-employed or you have earnings from more than one source.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Again, if you are self-employed, include information with their tax return that supports what the SA302 states about their income. I.e bank statement.<\/span><\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a9b34 elementor-widget elementor-widget-image\" data-id=\"21a9b34\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img width=\"900\" height=\"600\" src=\"https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/4.png\" class=\"attachment-full size-full\" alt=\"how long does a mortgage offer last\" loading=\"lazy\" srcset=\"https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/4.png 900w, https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/4-300x200.png 300w, https:\/\/brightred.dev\/hometruths\/wp-content\/uploads\/2021\/11\/4-768x512.png 768w\" sizes=\"(max-width: 900px) 100vw, 900px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca9d13a elementor-widget elementor-widget-spacer\" data-id=\"ca9d13a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3589a09 elementor-widget elementor-widget-text-editor\" data-id=\"3589a09\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">While these requirements may vary depending on your lender, it is important to have these just in case.<\/span><\/p><p><span style=\"font-weight: 400;\">If you are looking into applying for a mortgage or just need some advice our independent mortgage advisers can help.<\/span><\/p><p><span style=\"font-weight: 400;\">Get in touch with our <\/span><a href=\"https:\/\/brightred.dev\/hometruths\/about-us\/meet-the-team\/\"><span style=\"font-weight: 400;\">friendly team<\/span><\/a><span style=\"font-weight: 400;\"> here 01257 451673.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Dealing with the complexities that mortgages bring can be tricky. There are many different things to think about, and questions to ask. So, it\u2019s best to know some of the basics that can help it run as smoothly as possible. One of the questions you will probably ask is how long does a mortgage offer [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":2468216,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[87],"tags":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How long does a mortgage offer last? - Home Truths<\/title>\n<meta name=\"description\" content=\"Ever wondered how long does a mortgage offer last? 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