First assessment within 48 hours for a complete application
Would you like your mortgage arranged quickly? When all required documents have been provided and the application is complete, the first assessment by the mortgage lender may sometimes take place within 48 hours. Below you can read how a fast mortgage application works in practice.
How a fast mortgage assessment works
- Step 1
Complete application
All required documents are provided. The file is checked for completeness before it is submitted to the lender.
- Step 2
First assessment
With a complete application, the first assessment by the mortgage lender may sometimes take place within 48 hours.
- Step 3
Second assessment
If there are no additional questions or missing documents, the application can proceed to the second assessment.
- Step 4
Mortgage completed
In some situations this means your mortgage can be completed within roughly three days — sometimes even within the statutory cooling-off period of the purchase agreement.
Do you have self-employed income?
If your income comes from your own business, the assessment of that income can be more detailed and may take more time.
To keep the process as smooth as possible, we can in some situations discuss your income with the mortgage lender in advance.
Where possible, your income can also be reviewed in advance by a specialised third party.
When the mortgage lender accepts that assessment, it may be used as part of the final mortgage application. This is not possible with every lender or in every situation.
Why reviewing income in advance can help
- You get clarity about what is realistic sooner.
- The mortgage process can be prepared more thoroughly.
- Possible questions are identified up front.
- Delays during the application are avoided where possible.
Curious how quickly your mortgage could be arranged?
Every situation is different. In an introductory conversation we look at your plans, your documents and what is realistic in your situation.