Mortgage processing times

Do a direct check on the mortgage processing times of lenders such as ING, Rabobank and ABN AMRO.

How long does a mortgage application take?

Of course, our advisors will do their utmost to get your mortgage accepted as quickly as possible. And they seem to be doing a good job of that, as your mortgage application with Viisi is about 40% faster than the national average, according to HDN (Mortgage Data Network). Did you follow our webinar, and have you had an exploratory mortgage interview? If so, then you’ll know what the maximum amount is that you can borrow.

Mortgage acceptance in 3 steps

Has your offer been accepted? Discover on the basis of 3 steps how long it takes to get your mortgage processed. Keep in mind every step of the way that you yourself can exert the most influence on getting your mortgage processed swiftly.

• Step 1: time between the accepted offer and mortgage application
  Approximately 1 week

  Approximately 1 week
  If your offer has been accepted, it is smart to inform your advisor by phone as soon as possible. We can then immediately set a number of key matters in motion, such as preparing and scheduling the consultation, the application for the appraisal report, and the submission of documents.

  It helps us if you ensure that all the documents you submit are as complete as possible in your own MyViisi environment, as we can then prepare for the appointment in the best way possible. After we have discussed all your wishes in the consultation and selected the best mortgage, we will set things in motion to apply for the mortgage. This usually happens within 1 week of the offer being accepted.

• Step 2: time between the mortgage application and lender assessment

  Immediately – 3 weeks
  Before a lender assesses the content of your application, you will receive an interest rate offer. This offer consists of:

  • The interest rate
  • The fixed-rate period
  • The amount you are going to borrow
  • A list of documents you need to provide

  Are you in agreement? If so, we’ll check all the requested documents in your own MyViisi environment, to ensure that the assessment at the bank can be realized successfully, and in one go. You can save time by providing all the requested information quickly and correctly.

  Here you will find our instructions and tips to deliver mortgage documents properly in one go.

• Step 3: time between the lender’s assessment and the agreement

  2 days to 2 weeks
  In the chart below, we keep track of how long the average review takes with the lenders we recommend the most often to our customers. You will receive a final offer once the mortgage has been accepted by the lender.

  Are you short on time? If so, it’s important to take the mortgage processing time into account when choosing a lender.

Mortgage processing time for mortgage applications

Latest update: Week 16 (24-04-2024)

Good to know: after you have accepted the mortgage offer yourself, it usually takes 1 to 3 working days before the lender has processed it, and is able to transfer the funds to the notary.