Mortgage offer - new expiry?

[PumpkinLuv]

We are in the process of purchasing our first property. The mortgage offer we secured was due to expire 31st August 2025 (6 month offer)

Last week I recieved a call from the broker we used- who said the chosen bank has reduced interest rates, and that they can change our rate to save us £48 a month (great!)

Howecer - the offer letter from the bank now has an offer expiry of 28th February 2026 (6 month offer) of which both we and the conveyancer has recieved.

This seemed like great news to us as the sale is dragging- but when I asked the broker to confirm she said that is not accurate and that it is the original expiry of 31sr August 2025. She said the system just automatically produces a date 6 months from the date of ‘application’
I note a new hard credit check has appeared on my account. We did not have to supply any new bank statements / wage slips to secure this new rate.

Surely a major leading bank wouldn’t make an error like this, on headed documents that they send to both product buyer and conveyancer?

I just want to know which date we are working towards as all documents now say 2026, but broker saying original 2025!?

Go to the horses mouth and ask the bank, rather than going through the broker. If the paperwork says an expiry date, then surely that is the expiry date.

That does sound confusing, especially when both the offer letter and conveyancer show 28th February 2026, yet your broker insists the expiry is still August 2025.
From experience, lenders sometimes do automatically generate new offer expiry dates when a rate is re-issued, particularly if it involved a product switch or repricing. That could explain why no new documents like bank statements were needed they likely just re-keyed the original application with the new rate.
That said, I’d recommend confirming directly with the bank (not just through your broker) to clarify the official expiry date. It’s always better to get written confirmation from the lender, especially since the conveyancer also received the updated document.
As for the hard credit check it’s fairly common when a product switch is treated as a new offer, but if you weren’t made aware beforehand, I’d definitely raise that with your broker as well.
I wouldn’t ignore it, but I also wouldn’t panic most likely it’s an administrative step rather than a full re-assessment. Best to double-check with both the lender and your conveyancer so everyone is on the same page.

Thank-you for your replies.

I have spoken to both conveyancer and bank today who were in agreement that the new date stated on the mortgage offer letter, is the correct date. I will call my broker shortly and make them aware- it may have been a genuine mistake on their behalf !

thanks

To be honest I’m not sure what value brokers add sometimes. I have always gone direct to the lenders, and that’s often the way to get the best deals.