Hi, I'm a first time buyer in the process of (hopefully!) buying a property and I'm currently driving myself to distraction with worrying and second guessing regarding the mortgage application! Just trying to find out a bit more to help put my mind at ease (or give me more to worry about!) I have a decision in principle (through a broker) and I know that we have therefore passed the affordability and hard credit search run by the broker. Our application and all documents are now with the Natwest underwriter. I have couple of questions I'd be very grateful for help with. If you have applied with Natwest recently, roughly how long did it take from application to mortgage offer? I bank with them, if that makes a difference. Do the underwriters run another hard credit check? Is there any way of knowing how likely it is that the decision in principle will translate into an offer? Eg is the decision in principle only a 50:50 chance of a mortgage offer, or is it more likely than that?