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Mortgage Approval length from date of AIP or loan letter?

  • 23-01-2019 3:09pm
    #1
    ruaneg
    Registered Users, Registered Users 2 Posts: 126 ✭✭


    Hi,

    As per title, is the length of Mortgage Approval from date of AIP or loan letter?

    Thanks


Comments

  • #2
    Bank of Ireland: Tara
    Closed Accounts Posts: 2,346 ✭✭✭Bank of Ireland: Tara


    Hi ruaneg,

    Thanks for getting in touch. I'm checking this out now and as soon as I have an answer I'll get back to you here.

    Cheers
    Tara


  • #3
    Bank of Ireland: Tara
    Closed Accounts Posts: 2,346 ✭✭✭Bank of Ireland: Tara


    ruaneg wrote: »
    Hi,

    As per title, is the length of Mortgage Approval from date of AIP or loan letter?

    Thanks


    Thanks for your patience ruaneg. A fully underwritten AIP is valid for 6 months and the full Offer Letter is also valid for 6 months. If an Offer Letter issues before the expiry of AIP, the 6 months starts again from the date of the Offer Letter.

    Thanks again,
    Tara


  • #4
    ruaneg
    Registered Users, Registered Users 2 Posts: 126 ✭✭ruaneg


    Thanks Tara!


  • #5
    ruaneg
    Registered Users, Registered Users 2 Posts: 126 ✭✭ruaneg


    Hi Tara,

    What about for a mortgage Exception? We were told 6 months, but is it from the date of AIP or letter offer?

    Regards
    Gary


  • #6
    Bank of Ireland: Lorna
    Closed Accounts Posts: 423 ✭✭Bank of Ireland: Lorna


    Apologies for the delay Gary, we are just waiting for confirmation from our Mortgage Team.

    Thanks,

    Lorna


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  • #7
    ruaneg
    Registered Users, Registered Users 2 Posts: 126 ✭✭ruaneg


    Bank of Ireland: Lorna wrote: »
    Apologies for the delay Gary, we are just waiting for confirmation from our Mortgage Team.

    Thanks,

    Lorna
    Any update?


  • #8
    Bank of Ireland: Tara
    Closed Accounts Posts: 2,346 ✭✭✭Bank of Ireland: Tara


    ruaneg wrote: »
    Any update?


    Sorry Gary, we'll chase this up again now.

    Tara


  • #9
    Bank of Ireland: Tara
    Closed Accounts Posts: 2,346 ✭✭✭Bank of Ireland: Tara


    Hi Gary,

    Sorry again for the delay. To apply for an exception an applicant must have identified a property. If an exception is approved the exception approval expiry will align with the Offer Letter expiry. If the property falls through a new exception application (and Offer Letter) would be required for the new property identified.

    Thanks
    Tara


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