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Mortgage Offer Validity

Our mortgage offers are valid for 120 days from the date of initial Offer and this is extended for Residential mortgages only to 180 days for new build properties. Extensions of up to 14-days may be allowed in exceptional circumstances (please call us as soon as possible if you believe you will require an extension).

Residential binding offer

The Mortgage Offer document for residential loans is a Binding Offer and includes an initial 10 day Reflection Period. Your Certificate of Title should only be submitted in this initial period if the Applicant(s) has elected to waive associated rights and has chosen to proceed with our Mortgage Offer.

Buy to Let binding offer

Buy to Let Offer documents are NOT a Binding Offer and does not include a Reflection Period.