Hiya Chris
What RT said , and just expanding a little on that
An 80 % lo doc can take longer depending on the lender because
Typically, at 60 % lenders may rely on the contract only without a val if a bunch of other simple conditions are met. At 80 % lo doc, they will want a full internal val
Also, at 80 % LMI is most likely needed, so the loan may have to go through that process as well, which may adda few hours to a couple of days
ta
rolf