From Application to
Funded in 4 Steps
No jargon. No confusion. No waiting weeks for a decision. Our streamlined process gets you from enquiry to funded faster than any traditional lender — with a real expert guiding you every step of the way.
Your Journey from Start to Funded
Here is what to expect at every stage of your application — and how quickly it happens.
Complete our simple application in under 10 minutes
⏱ 10 minutesYour adviser searches 60+ lenders for your best deal
⏱ Same dayReceive your lending decision and personalised offer
⏱ 48 hoursMoney in your account or mortgage completed
⏱ 3–5 daysEvery Step Explained
Here is exactly what happens at each stage — no surprises, no jargon.
Start with our simple online application. No paperwork at this stage — we just need the basics about you, the loan you need, and your financial situation. Our form takes the average applicant under 10 minutes to complete. We use a soft credit search at this stage, which has zero impact on your credit score.
- Your name, address and contact details
- Type of loan and amount required
- Employment status and income level
- Property details (for mortgage applications)
- Basic financial information
Once we receive your application, a named adviser is assigned to your case — and stays with you until completion. They immediately search our entire panel of 60+ lenders, including high-street banks, challenger banks, and specialist lenders, to find the most competitive deal that matches your exact circumstances.
- Reviews your full financial profile
- Matches you to the most suitable lenders
- Compares rates, fees and terms side by side
- Identifies any specialist products you qualify for
- Calls you to discuss the best options
After reviewing your application and submitting to the selected lender, most clients receive a formal decision within 48 hours. Your adviser handles all lender communication, chases for updates, and keeps you informed every step of the way. You receive a clear, jargon-free summary of your offer including rate, term, and all fees.
- Confirmed interest rate (APR)
- Monthly repayment amount
- Loan term and total cost
- All fees clearly itemised
- No obligation to proceed
Once you are happy with your offer and accept, your adviser handles the final paperwork and coordinates with the lender to complete the process. Business loans can be in your account within 3–5 working days. Mortgages complete on your agreed completion date, with your adviser staying on hand until the very end.
- Sign your loan agreement digitally
- Provide final document uploads if needed
- Lender completes final checks
- Funds released to your account
- Ongoing support from your adviser
What You’ll Need to Prepare
Your adviser will provide a personalised checklist, but here is a general guide to the documents required for each loan type.
Standard documentation for employed and self-employed applicants.
- Valid passport or driving licence (proof of ID)
- Proof of current address (utility bill, council tax)
- 3 months’ payslips (employed) or 2 years SA302 (self-employed)
- 3 months’ bank statements
- Property details or estate agent particulars
- Existing mortgage statement (for remortgage)
Documentation for sole traders, partnerships, and limited companies.
- Valid passport or driving licence (director ID)
- 2 years’ filed company accounts or SA302 returns
- 3–6 months’ business bank statements
- Management accounts (if accounts are over 6 months old)
- Business plan and financial forecast (start-ups)
- Certificate of incorporation (limited companies)
Additional documents required for buy-to-let applications.
- All standard residential mortgage documents
- Details of existing rental properties (if any)
- Existing tenancy agreements
- Portfolio schedule (for portfolio landlords)
- Estimated rental income evidence
- Ltd company documents (if applicable)
Follow these tips to speed up your application significantly.
- Ensure all documents are clear, legible, and in date
- Download 3 months of bank statements as PDF from your online banking
- Check your credit report before applying (Experian or ClearScore)
- Have your NI number and employer’s details to hand
- Be accurate — inconsistencies slow down applications
- Your adviser will contact you if anything else is needed
We Handle the Hard Parts
Going direct to a bank means doing it all yourself. We do the searching, the paperwork, the chasing — you just focus on what matters.
Your adviser searches the whole market — not just one bank’s products — to find your best possible deal.
One expert handles your case from start to finish. Always available. Always accountable.
Your adviser manages all lender documentation, follows up on requests, and keeps the process moving.
Our direct lender relationships mean decisions in 48 hours — not the 2–6 weeks you’d wait at a branch.
Process FAQs
Common questions about our application process answered clearly.
Takes 10 minutes. Decision in 48 hours. No obligation, no upfront fees, no credit impact to enquire.