Timing is everything in the lending world, with customers looking to move forward quickly when there’s a chain at risk, an auction deadline, or a deal that simply won’t wait.

For brokers, that pressure lands on you first, which is why a lender who can turn around decisions fast is the difference between a good outcome and a missed one.

At Central Trust, we were recently put to the test on a case where a client needed £20,000 to fund refurbishment works on a property ahead of sale. With the sale depending on the work being completed on time, there was no room for delay – and the case was taken from application to completion in just two days.

How did we do it?

• Instant quotes on portal
• One underwriter, one point of contact
• No paperwork slowing things down
• AVMs on the system
• E-signing of mortgage deeds
• In-house legals, run in parallel with underwriting.

Our process allows for quick turnaround times because each stage is designed to run alongside the next, rather than waiting in a queue behind it.

Underwriting, valuation, and legal work happen in parallel rather than in sequence, so a case isn’t held up waiting for one department to finish before the next can start.

Timelines vary from lender to lender. Knowing what to expect at each stage puts you in a much better position to plan especially if you need funds by a specific date.

Next time a client needs quick funds and doesn’t fit the standard mould, get in touch!

Liam Billings  Email