The mortgage won't come out of your account until a month after you draw it down. You give them the date you want it taken out on. With regard to ICS I found them VERY slow, we got our approval letter in Nov last year and the official mortgage loan offer didn't come until Jan and then the mortgage draw down was in Feb. We had all documentation etc but it was very slow going through approval stages in ICS. We selected 7th of month to pay the mortgage, we got the cheque last week in Feb but they didn't take mortgage in March, the first one came out in April, just to give you an idea.