How to Get Mortgage Approval in Less Than 7 Days

How to Get Mortgage Approval in Less Than 7 Days

In today’s fast-paced property market, speed matters. Whether you’re a first-time buyer or a seasoned investor, getting mortgage approval quickly can make or break your deal. As a mortgage broker, I’ve seen firsthand that with the right preparation and guidance, it’s absolutely possible to get mortgage approval in less than 7 days.

Here’s how to make it happen.

1. Get Pre-Approved First

Before you even start house-hunting, get pre-approved. This is not the same as final approval, but it gives you a solid idea of your borrowing capacity and shows sellers you’re serious. It also speeds up the full approval process once you’ve found a property.

Tip: Work with a broker who can access multiple lenders and help you find the right fit quickly.

2. Have Your Documents Ready

Nothing slows down a mortgage application like missing paperwork. Before applying, gather the following:

Proof of ID and residency
Recent payslips or proof of income
Tax returns (especially if self-employed)
Bank statements (3–6 months)
Proof of savings or deposit
Credit report

Pro tip: Organize these into a single folder—either physical or digital—and double-check for accuracy.

3. Work with a Mortgage Broker (Like Me)

A broker can streamline the entire process. We know which lenders are fastest, what underwriters are looking for, and how to structure your application for a speedy approval.

Why this matters: Some banks take 10+ days just to assign an assessor. I work with lenders who can review and approve within 24–48 hours, depending on your situation.

4. Choose the Right Lender

Not all lenders are created equal when it comes to turnaround times. Some prioritize existing customers; others specialize in fast-tracked applications. I can match you with lenders who are known for same-week approvals.

5. Avoid Red Flags in Your Application

Be upfront about anything that could delay the process—unusual income, recent job changes, or missed payments. Trying to “hide” these can cause more problems than they solve.

Quick fix: Let me know about any concerns up front so I can guide you to lenders who are more flexible with your situation.

6. Stay Available

Once your application is in, be ready to respond quickly to any questions or document requests. Even a single day’s delay in replying can push your approval to next week.

Final Thoughts

Getting a mortgage approval in under 7 days is absolutely possible—but it requires preparation, the right guidance, and a proactive mindset.

As a mortgage broker, my job is to take the guesswork out of the process and keep things moving fast. If you’re looking to secure a mortgage quickly, let’s talk. I can help you get pre-approved, organize your documents, and submit your application to a lender who moves as fast as you do.