How long do I need to have remaining on my contract?

Most lenders usually require a minimum of 4 to 6 weeks remaining on your contract to approve your mortgage. Of course, longer is better to satisfy their risk assessment.

If you have less than that, we can often negotiate the remaining duration in specific circumstances. Agencies and clients are often amenable if you ask them for a renewal or extension of your contract for mortgage application purposes.

If they’re not willing to do so, it may be time to consider where you stand before proceeding with your application further. Remember, affordability is not only a calculation for the lender, but for you as the mortgagee, too.


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