Quick Mortgage?

Neato

Sistergold said:

I viewed my house in February, my seller wanted to complete by April, I told her that was fine by me? We finally completed in July. Well how does someone want to complete by A date? Who controls all those parameters? When a seller accepts a person needing a mortgage and also has a deadline it baffles me! At this point I just say yes we can complete by that date and then we all accept reality as mortgage process, conveyancing, solicitors and other people in the chain take their time to do what they need to do.   

So one way will be to accept the 4 to 6 weeks and try to do it in that time but not be stressed if it does not happen as to be honest it’s not even in your or sellers control. Soon your seller will realise it will complete quicker if they just wait for the process to take its natural course. Even a cash buyer might delay it for one reason or another. 

Many seller come up with all these dates which are in the end forced to be forgotten by realities of the actual processes involved, for the buyer you just play along and try act as quickly as you can. 

Well, just another view. 

Thank you. I think this is the sort of process I was expecting, but they put on the reservation that there was a special condition to complete in 4-6 weeks, which made us re-think!

SharkMoney said:

I submitted a mortgage app on Friday and it was approved Tuesday morning. 

You need to ask a broker for which lenders are quickest. 

We would happily go through a broker - the first we tried had advised there was nothing they could do for 2 weeks, unless we could put up a 15% deposit. The second has yet to call me back.