Can You Get Same Day Mortgage Approval?

A decision in principle (DIP) can be instant or same-day. For a full mortgage offer, same-day approval is possible with some lenders for straightforward cases: employed applicants with clean credit, standard properties, and all documents ready. However, most full mortgage offers take 2-4 weeks. To speed up: have all documents prepared, respond quickly to queries, use a broker who can chase, and choose a lender known for fast processing.

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Can I get a mortgage approved in one day?

A decision in principle (DIP) can be instant. For a full mortgage offer, same-day approval is possible with some lenders for straightforward cases - employed applicants, clean credit, standard properties, all documents ready. However, most mortgages take 2-4 weeks. 'Same day' often refers to the initial decision, not completion.

Which mortgage lenders are the fastest?

Major high-street lenders like NatWest, Halifax, and Nationwide often have fast processing for straightforward cases. Some digital-first lenders like Atom Bank and Molo specialise in speed. However, speed depends more on your case complexity than the lender. A broker knows which lenders are currently processing fastest.

How can I speed up my mortgage application?

Have all documents ready before applying: 3 months' payslips, 3 months' bank statements, ID, proof of address, and proof of deposit. Respond to queries immediately. Use a broker who can chase the lender. Choose straightforward products. Ensure your credit file is clean and accurate.

What slows down mortgage applications?

Common delays include: incomplete documentation, complex income (self-employed, contractors), property issues (non-standard construction, short lease), chain complications, lender backlogs, queries about credit history, and slow solicitors. Each query adds days or weeks.

Is a quick mortgage decision less thorough?

No - lenders still complete all necessary checks. Fast decisions come from automated systems, efficient processes, and prepared applicants - not from cutting corners. A quick decision from a reputable lender is just as valid as a slower one.

What is the difference between DIP and mortgage offer?

A DIP (decision in principle) is an initial indication, often instant. A mortgage offer is the binding commitment after full assessment, valuation, and underwriting - typically 2-4 weeks. 'Same day mortgage' usually means a fast DIP or rapid offer processing, not same-day completion.

Quick Answer

How Do I Get a Fast Mortgage Decision?

Last reviewed: December 2025

Reviewed by Jay Sabine – CeMAP Qualified – 29 years experience

Have all documents ready, use a broker, choose fast-processing lenders, and respond immediately to any queries. DIPs are instant; full offers can be 24 hours to 4 weeks.

Getting a fast mortgage decision depends on preparation and choosing the right lender. Decision in principle (DIP) can be instant through online applications. For full mortgage offers, some lenders can process in 24-72 hours for ideal cases, while complex applications take 4-6 weeks. The key factors are: having all documentation ready before applying, choosing a lender with fast current processing times (this varies), having straightforward circumstances (employed, good credit, standard property), responding immediately to any queries, and using a broker who can push the application through efficiently.

Your home may be repossessed if you do not keep up repayments on your mortgage. Fast decisions require complete, accurate information.

Key Points

1DIP can be instant, full offers vary widely
2Straightforward cases processed fastest
3Documents ready = faster processing
4Broker can identify fastest current lenders
5Complex cases (self-employed, non-standard) take longer
6Same day often means DIP, not completion

Eligibility Criteria

All documents prepared and accurate
Clean credit history with no surprises
Employed with simple income (PAYE ideal)
Standard property type (not non-standard construction)
Realistic borrowing relative to income
Deposit funds ready and traceable

Typical Timeframe

DIP: instant to 24 hours. Full mortgage offer: 24 hours (best case) to 4-6 weeks (complex cases). Exchange to completion: typically 2-4 weeks after offer. Overall purchase process: 8-12 weeks is common, but can be faster with motivated parties.

Next Steps

1Gather all required documents now
2Check your credit report for errors
3Get a DIP to identify any issues
4Speak to a broker about fastest lenders
5Be ready to respond to queries same-day

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How Do I Get a Fast Mortgage Decision?

Key Points

Eligibility Criteria

Typical Timeframe

Next Steps

Related Questions

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Mortgage Offer Issued

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