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Or about 20 minutes in a branch:)

I didn't realise my comment could be misinterpreted till I read it again. What I meant was I work in a bank and can knock out a Mortgage Calculator in 15/20 minutes over the phone and usually book the customer in for an appointment with a Mortgage Adviser to meet within 48 hours. We have moved...

Not actually true, but I guess you have to make a living. There was me thinking I could do the first bit in about 15 minutes over the phone and usually get a local face to face appointment within 48 hours. But then I suppose banks are always fair game for a bit of unjustified generalisations.