Receiving your mortgage offer is a big milestone, but it doesn’t mean you’ve finished the process just yet.
This guide explains
what happens after a mortgage offer is issued, so you know what to expect next.
What a Mortgage Offer Means
A mortgage offer confirms:
- The amount you can borrow
- The interest rate
- The mortgage term
It’s usually valid for several months.
Legal Work and Searches
Your solicitor will carry out searches and review contracts while the mortgage offer is in place.
Exchange and Completion
Once everything is agreed:
- Contracts are exchanged
- A completion date is set
- You receive the keys 🎉
Final Checks Before Completion
It’s important not to make major financial changes before completion, such as taking new credit.

Nearly There
Knowing what happens after your mortgage offer helps reduce nerves and avoid last-minute surprises.
Supportive mortgage advice for first-time buyers from start to finish.
