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Quick mortgage approvals

Written By:
Myles Robinson - Expert Finance Advisor

Posted: Feb 16, 2023

Quick mortgage approvals

Getting lost in a rush to get a mortgage process when looking for quick approval is easy.

You should not simply choose the first lender that will accept you.

Our mortgage brokers can help you; whether a mortgage lender declines your mortgage last minute, you have to meet the deadline for the auction or repossessed property, or you want to move in after you’ve received an offer.

Use our online mortgage calculator as a guide for your monthly repayments now:

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How to get a mortgage lender to approve a mortgage application quickly

This article will discuss how mortgage advice is essential, how mortgages are processed quickly and what steps you can take to get a great mortgage deal.

We know how difficult it can be to get mortgage approval. Call our mortgage broker today to get the best deals and submit an enquiry.

Our job is to match your needs with the best mortgage brokers. They have access to the entire market and can find competitive rates that suit your needs. All mortgage advice is free and impartial, with no negative marks on your credit score.

What is the fastest way to get a mortgage?

A typical residential mortgage application takes around 12 weeks from offer to completion. However, this can vary based on many factors. Our mortgage lenders will do their best to speed up your mortgage loan.

You may have a poor credit rating, or your income is not standard (i.e. The application process may be longer if you have bad credit or your income is not standard (i.e. commissions, bonuses). The valuation process and mortgage agreement may be longer if the property is not of standard construction.

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What is a fast-track mortgage?

The fast track mortgages allow creditworthy applicants to obtain a mortgage quickly with very few underwriting checks.

Since abolishing self-cert mortgages, they have been subject to some stigma. This is mainly due to the fact that the system was misused, and some people were unable or unwilling to prove income.

It is very rare for applications to be approved on this basis, unless the loan-to-value (LTV), loan income (LTI) and credit scores are acceptable. This service is usually only offered by high-street lenders and specialists. Therefore, anyone with bad credit or self-employed will not be eligible.

It doesn’t necessarily mean that you won’t be able to get a mortgage approved quickly if you’re self-employed or have bad credit. Some lenders will consider these types of applications and can make things work in a relatively short time. It all depends on how fast you can provide them with the documents and how skilled your advisor handles such applications.

To maximise your chances of being approved for a mortgage loan, you can take steps quickly.

  • Any inactive accounts should be closed.
  • Before you apply for a mortgage, don’t apply for any credit.
  • Fill out the application correctly your first time (a broker can help you with this).
  • It is important to have all the documents and bank statements you need on hand

A quick decision, in principle, can be made within minutes. However, it may take longer for more complicated cases with a history of negative credit or self-employed applications.

It might be better to wait three months if you haven’t applied for finance in the past. Although hard credit searches remain on your credit report for 12 months, most lenders will allow this as long as there has not been a recent one. The brokers that we work with can find more accommodating lenders.

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What is the average time it takes to process a mortgage request?

A quick mortgage approval will be done in two stages: the principle and the offer.

This saves time and is the best way to save time. Before a complete application is submitted, lenders can indicate as to their willingness to lend to the borrower.

Full applications require the packaging and processing of all documents. This is to verify income and affordability and complete a valuation report and key property information. This process is time-consuming and costly for the lender, but it could signify their interest in your application.

Fast decision in principle

A broker will usually respond quickly to an enquiry once they have received it.

For example, if a customer calls at 11am, a broker will respond within an hour. They will have completed a thorough fact check and requested all documents necessary (as long as you have them), done the research to find the best deal, decided in principle and, if successful, submitted the complete application.

Offer of fast mortgage

You may be able to have your valuation done the next day, depending on which lender. This could allow you to move forward with the work that week. Some mortgages can be approved quickly, with the initial inquiry followed by a formal offer.

This can be longer in cases where the underwriters have to assess the case manually. However, if you are prepared with all the documents necessary, it will make the process faster. Lenders will generally try to get this decision through quickly so that all parties (buyers, agents, and vendors) don’t have to wait too long.

The agent might not accept a property valuation done in a previous failed application until the new mortgage application has been formally applied. This could put your ability to pay the property into doubt.

Your advisor can manage the mortgage valuation (often because they can push things through quicker and bump valuations up the queue), but it is generally down to the lender’s turnaround times and the lender.

If you have to act quickly and need to know the time it takes for a lender’s decision, speed can be preferred over rate.

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Quick matching

Getting a mortgage quote quickly is a priority. Please fill out our enquiry form.

We know that time is precious, so we will quickly match you with an expert mortgage broker. They have access to the entire market, which means they can find the best deals for your situation.

How to get a mortgage approved quicker

  • Get as much deposit as you can

A mortgage can be obtained with as little as a 5% deposit. However, that does not mean you should stop saving. The more you deposit, the better the deal and the quicker everything will go. This sliding scale is easy to comprehend, with 5% at the bottom and 40 to 50% at the top.

It cannot be easy to save, but there are ways to make it easier. Register now for a Help to Purchase ISA. If you’re a first-time buyer, this will increase your savings. For everyone else, a Lifetime Isa will boost your savings! If you are interested in purchasing a property that is being built, you can take out a Help To Buy Equity Loan.

  • Understand your credit history

You can now access your credit score online to check its health and make any changes to the data regulations. People who are looking to get a mortgage will find this minor change to be incredibly beneficial. There is no need to worry about any unpleasant surprises.

There have been decades of mortgage applicants worrying and waiting for the results of the credit check should be done. Everyone should go through their credit history carefully before applying.

  • Improve your credit score

You don’t need a time machine unless you do. You can’t stop making small personal financial mistakes that can ruin your credit report. But you can start building it now!

You may not be able to get a mortgage right away if that is your goal. However, you have read tip 1; it has been suggested that you spend more time saving for a deposit; you can start now.

There are many options to improve your credit rating. You can use credit builder credit cards or opt into the Rental Exchange Initiative. Your rent will appear on your credit history.


  • Pay off all unsecured debts and close any unused accounts

Not having outstanding debt will make you look bad, and it will also cost you interest. Although it may seem counter-intuitive to use your savings to pay off your deposit, it is worth it if it can be rebuilt.

Clear any old credit accounts you don’t need. They could be a threat to your creditworthiness and don’t do anything to help.

  • Make sure you have the most current paperwork

It’s possible to be removed from the electoral rolls if you don’t have one. You can contact your local council for help.

You will need to provide additional documentation, such as your passport or driving license, to prove your identity. Also, make sure you have the correct name and the correct address. ) photo (or grow your beard?) ), address (or move? To be certain.

It may take several weeks to get all the pieces in order, and you cannot receive a mortgage.

  • Collect your financial records

The mortgage lender will expect bank statements, payslips and tax records from the self-employed. You’ll want to supply them all quickly.
It is easy to pass on information when needed by having a file containing all the information you have gathered.

If you have any questions about what you may need, call us. Our advisors will be happy to help you.

  • Plan your mortgage type

Research to determine if you prefer a fixed-rate mortgage or a tracker deal. Talk to a mortgage advisor or read as much as possible about obtaining a mortgage. You don’t need to be an expert before you start.

  • If you are looking for something unique, don’t expect a quick turnaround.

Although mortgage providers can underwrite a mortgage for someone who wishes to live in a straw-built castle, which is off-grid and uses rainwater through an ancient aqueduct system, it’s not easy! Your mortgage application will be processed faster if your property is more common than a standard three-bed suburban home. It’s possible. No problem, but it will take time.

Lenders want to know if they can take over the property and get their money back if things go wrong. An unusual home is not an exception. The application process will be delayed if there is more risk.

  • Call one of our mortgage brokers

While you can do it independently, we will help you get there faster and more efficiently than anyone else.

Our expertise in all things mortgage-related will allow us to quickly move your mortgage application from the initial inquiry to completion.

Fill out our contact form to get quick and successful mortgage approval. Or give us a phone call to learn more!

Talk to an advisor for a quick mortgage quote

No matter your financial situation, a mortgage shouldn’t hold you back. Our experts can match you with great deals and will keep an eye on your application until you send it off.

Submit your enquiry below and we will get you approved within just 24 hours:

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