Our Process
From initial enquiry to completion, we guide you through every step of your finance journey. Here's what to expect when you work with us.
All timings shown are estimates, provided for illustrative purposes only. We'll be able to provide more accurate updates as your case progresses.
Initial Discussion
Same dayWe start with a conversation to understand your requirements, timescales, and objectives. This helps us identify the best funding solutions for your situation.
- Discuss your project or purchase
- Understand your financial position
- Identify suitable finance options
- Explain the process and timescales
Market Search & Indicative Terms
24 hoursWe search our panel of 300+ lenders to find the best options for your case. You'll receive indicative terms from suitable lenders within 24 hours.
- Search across our lender panel
- Compare rates and terms
- Present best options to you
- Explain pros and cons of each
Decision in Principle
1-2 daysWe obtain an initial decision from the lender, validating your case before proceeding to a full application. This gives you confidence before committing further.
- Submit key details to lender
- Receive initial credit decision
- Validate terms and conditions
- Confirm before full application
Full Application
1-3 daysOnce you've chosen a lender, we prepare and submit your full application with all supporting documentation. We handle the paperwork so you don't have to.
- Gather required documentation
- Prepare comprehensive application
- Submit to chosen lender
- Chase and follow up
Valuation
3-7 daysThe lender instructs a valuation of the property or assets. We help coordinate access and ensure the valuer has all required information.
- Valuation instruction
- Coordinate access to property
- Review valuation report
- Address any queries
Underwriting & Credit Approval
2-5 daysThe lender's underwriters review your application in detail. We stay in close contact to answer questions and provide additional information as needed.
- Full underwriting review
- Answer underwriter queries
- Provide additional information
- Obtain credit committee approval
Legal Process
5-14 daysSolicitors complete due diligence and prepare legal documentation. We keep all parties aligned to prevent delays.
- Solicitors appointed
- Due diligence completed
- Legal documentation prepared
- Contracts exchanged
Completion
Completion dayFunds are released and your finance is in place. We remain available for any questions and to help with future funding needs.
- Final checks completed
- Funds released
- Finance in place
- Ongoing support available
Typical Timescales
Every case is different, but here are typical timescales for different finance types.
48hrs - 4wks
Bridging Finance
Fast completions for urgent cases
2 - 8 weeks
Development Finance
From application to first drawdown
6 - 12 weeks
Buy-to-Let
Standard BTL mortgage timeline
Documents You'll Need
Requirements vary by finance type, but here are commonly requested documents.
Property Finance
- Property details and valuation
- ID and proof of address
- Bank statements (3-6 months)
- Exit strategy evidence
- Company accounts (if applicable)
Business Finance
- Company accounts (2-3 years)
- Management accounts
- Bank statements (3-6 months)
- Aged debtor/creditor lists
- Asset schedules
Ready to Discuss Your Finance Needs?
Whether you need bridging finance for a quick purchase, development funding for your next project, or business finance to fuel growth, we're here to help.
No obligation consultation. Whole of market access. Expert guidance.