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Mortgage Expiry, Getting Extensions & Offers Being Pulled

Mortgage offer expiry offer extension

Your mortgage offer will state its expiry date. If this is rapidly approaching you can request an extension, at the lender's discretion.

If there are extenuating circumstances or there will be financial distress if the offer expires communicate this to the lender.

You can do this via your Conveyancer and mortgage broker.

No mortgage offer is guaranteed until completion occurs. Your lender can revoke the offer at any time. They are entitled to do this where:

  1. Your circumstances have changed since the mortgage application was made.

  2. They discover errors, or worse, false information was given in the application.

  3. A title defect or structural issue becomes apparent, and they no longer consider the purchase property to be good security.

  4. The lender changes its lending criteria due to financial markets.

Until completion occurs, and you have drawn down and used the mortgage advance the mortgage offer can be withdrawn by the lender and funds are not guaranteed.


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