M-Powered is branding itself as the Home of the One Day Mortgage - but is it possible to get a mortgage agreed in a day?

by Aaron Strutt

Apr 15 2025

Is it really possible to get a mortgage offer in a day? or a week?

Yes, getting a mortgage offer in a day—and more commonly within a week or two—is possible. Still, super fast mortgage offers heavily rely on a few key factors, including the application's complexity, the lender's risk level and an automated property valuation.

M-Powered is branding itself as the Home of the One Day Mortgage

M-Powered has built the "Home of the One Day Mortgage" system, which says it gives 96% of lending decisions within 24 hours once fully packaged applications are submitted.

Trinity Financial's brokers regularly tell surprised and happy clients that their mortgage offer has been produced in a day. However, these offers tend to come from the same lenders, like Barclays for Intermediaries and Nationwide for Intermediaries. 

Getting a Mortgage Offer in a Day

This is uncommon but possible with specialist lenders, mainly big high street banks, and building societies.

They tend to be for borrowers with:

• Very simple applications (e.g., remortgaging with the same lender, low loan-to-value, strong income). However, we have recently had one-day first-time buyer mortgages agreed.
• Pre-qualified clients with all documents ready so they can be submitted once an agreement in principle is agreed. 
• Automated valuation models (AVMs) instead of physical surveys.

Getting a Mortgage Offer in a Week

You’re using a broker, like Trinity Financial, who knows the lenders and their acceptance criteria well

• All required documents, including payslips and (company info, director ID, accounts, SA302s, etc.)
• A desktop or automated valuation is accepted when a computer program assesses the property rather than a proper valuer.
• You’re borrowing at a conservative LTV (e.g. under 65%).

What is M-Powered Mortgages?

An award-winning prime residential mortgage lender who uses smart technology to make "the experience of getting a mortgage fundamentally better for everyone." The lender is backed by Citi, Barclays and M&G Investments.

How long is it taking for the big lenders to produce a mortgage offer on average? 

Call Trinity Financial on 020 7016 0790 to secure a fast mortgage, book a consultation, or complete our mortgage questionnaire. 

The information contained within was correct at the time of publication but is subject to change.

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