Mortgage Approval Delay

Has anyone else experienced a mortgage process this long?
We started our mortgage application back in May 2025, got approval in October, finally went sale agreed in April 2026, and we’re now in July and still haven’t received our final mortgage offer.
For the last two months, my mortgage advisor has been telling me every week, “It’ll be issued this week,” and “I’m on top of it,” but nothing ever happens. At this stage I genuinely feel like I’m being rage baited, and it’s becoming incredibly stressful.
They also keep asking for updated payslips and bank statements. I understand documents expire, but it’s now been 14 months since we first applied, and I feel like we’re going around in circles.
My biggest worry now is savings. With inflation and the rising cost of living, I’ve found it much harder to save what I was saving a year ago. For the last two months I’ve barely been able to put anything away, despite living as frugally as possible. If this drags on much longer it’ll be three months, and I’m terrified the bank will look at that and decide we’re no longer suitable.
Has anyone been through something similar? Is this timeline normal, or should I be pushing harder for answers? Any advice would be really appreciated because this whole process is starting to take its toll.

Posted Jul 9, 2026, 7:46 PM UTC

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