02 / 48-hour process
FROM APPLICATION
TO COMMITMENT IN 48 HOURS.
Mapped end-to-end below. The orange items show what arrives in your inbox at each stage. Most files fund inside 7 days; many fund in 4.
00
Hour 0
Apply online (or call the BRM desk)
Property address, loan amount, purpose, sponsor profile. Three minutes online or six minutes on the phone with our broker relationship manager.
✓ Application logged · file # issued
04
Hour 4
Preliminary term sheet emailed
Indicative rate, fees, max loan, conditions precedent. Reviewed by an underwriting principal before it hits your inbox — never auto-generated for files above $1M.
✓ Draft term sheet · 1 page
24
Hour 24
Term sheet accepted, appraisal ordered
Once you sign back, our BRM team orders the appraisal, requests a solicitor’s title summary, and begins file conditioning with you and your broker.
✓ Appraisal ordered · BRM assigned
48
Hour 48
Commitment letter issued
Conditions cleared, commitment letter signed by an underwriting principal, sent to your solicitor. The funding window opens — you choose the close date inside it.
✓ Commitment letter · 4–6 pages
72
Day 3 – 10
Solicitor coordination & funding
Our solicitor and yours coordinate the close. Funds are advanced on the date you choose. Most files fund inside 7 calendar days from application — many in 4.
✓ Funds advanced
We don’t soft-pull credit
Your application doesn’t touch your credit score. We pull a hard inquiry only after you’ve accepted the preliminary term sheet.
We don’t require an exit plan to apply
We’ll walk through it during underwriting. We’ve seen enough scenarios to suggest one if you don’t have it written down yet.
We don’t mark up rate at the BRM stage
The rate on your indicative term sheet is the rate on your commitment letter, unless the file changes materially during conditioning.
