It may take a little longer to process. When we were buying our home, we had to have evidence that we had mortage protection or/life in place. My husband had got this before and processed very quickly (for his first home). However, my husband had been diagnosed with Colitis since then, the underwriter, looked for information from GP etc - while it wasn't refused, it delayed the purchase of our house, to the annoyance of the seller. However, it was all fine in the end (but very frustrating at the time), I think we may have had an additional loading also. It was a good while back so can't recall how long it took in end.