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Understanding our home finance waiting list times

The public waiting list for home finance is around 5 years.

To join the list, you’ll need to register and complete the finance form.

If you open a GYS Home account - a savings account created to help you save for your home deposit - you will be prioritised on the waiting list as a reward for helping us finance homes.

The table below shows your estimated wait time, depending on your finance requirements and your investment amount.

   Finance required
Investment amount Up to £200k Up to £300k Up to £400k
£70,000+ 9 months 12 months 20 months
£50,000-£69,999 12 months 15 months 2 year
£30,000 - £49,999 18 months 21 months 3 years
£10,000 - £29,999 2.5 years 4 years 4.5 years
£1,000 - £9,999 4 years 4.5 years 4.5 years

Please note, the waiting times provided are only an estimate and can take longer. Estimates are subject to change without notice.

Like all home finance providers, we cannot guarantee timeframes at any stage of the process. All applications are subject to our standard underwriting, affordability and conveyancing checks, and investing with us does not guarantee we can provide funding. You should not invest if you have a fixed deadline by which you need to complete.