HM Land Registry reports an 11% fall in its avoidable requisition rate compared with 2025, suggesting progress in reducing one source of transaction delay. Separately, Skipton has extended standard mortgage-offer validity from six to nine months, providing more breathing room where purchases take longer than expected.
Delays still matter financially: borrowers who reach the end of a deal before a remortgage completes can fall onto a standard variable rate and incur materially higher interest costs. Advisers can use CRM automation and AI-assisted document-checking to flag expiring offers, missing evidence and remortgage deadlines early, while retaining human review for accuracy, fraud risks and client communications.