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How Quickly Can I Get a Mortgage Application Approved?

An expert advice guide to getting a mortgage approved quickly if you're up against a tight timeframe - and the alternatives you might want to consider.

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Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

Almas Uddin2023-05-09
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How Quickly Can I Get a Mortgage Application Approved?

Mortgages are well known for taking several weeks to approve - and if you need to complete a purchase quickly, it can feel like a race against time!

Here the Revolution Brokers team explains how to fast track your mortgage application to speed up the approvals process.

For express assistance with a fast mortgage application, give us a call on 0330 304 3040 or email via [email protected].

What is the Average Processing Time for a Mortgage Application?

On average, a UK mortgage takes around 12 weeks to complete. They can take substantially longer if you have bad credit or have more complicated circumstances.

Fast track mortgages are available for eligible applicants who need fewer underwriting approvals. This option is rare unless the mortgage application is for a low Loan to Value ratio and you have a high credit score.

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How Quickly Can I Get Approved for a Mortgage?

The best thing you can do is streamline the process by considering your credit scoring before applying for a mortgage.

Some of the recommended actions include:

  • Closing accounts or credit cards you don't use.
  • Avoiding any new credit applications.
  • Seeking broker support to fill in your application form correctly.
  • Digging out all the paperwork and evidence you will need in advance.

Agreements in principle, can be processed very quickly if there aren't any unusual circumstances, so if you have everything ready to go, you can speed up the process.

Can I Get a Fast Mortgage Offer in Principle?

You can, yes, and the quickest option is to work with an independent broker who can ensure you apply directly to the best lender for your borrowing requirements.

The Revolution Brokers team can sometimes provide an agreement in principle in as little as an hour if you have everything ready to proceed!

Some of the steps in a mortgage application can't be fast-forwarded, though:

  • The lender will need to see a property valuation, often appointing their own agent to carry this out.
  • Paperwork such as three years of trading accounts will be required if you are self-employed.
  • If there are any adverse credit issues, you will usually need to wait for the underwriter to evaluate the offer before making a final agreement to lend.

What is the Quickest Way to Find a UK Mortgage?

The fastest way to get approved for a mortgage is to work with an experienced, whole-of-market broker who can handle your application and ensure it gets immediate attention.

Revolution Finance Brokers is experts in the UK mortgage market and can quickly identify the best lender for you to increase your chances of approval and ensure you don't waste time applying to the wrong place.

If you need mortgage funds fast, give us a call on 0330 304 3040, or drop us a message at [email protected].

Almas Uddin
Almas Uddin

Founder and Mortgage Advisor

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Securing an excellent mortgage offer with Revolution Finance
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As specialist mortgage brokers for a huge variety of applicants, the whole-of-market consultants at Revolution provide access to an exceptional range of lenders, products and mortgage deals. That means you get the advantage of professional negotiation and broker-exclusives through an established lending network to ensure we always find you the most competitive mortgage available.

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.

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