Process · Timing
3 days to 4 weeks — once your documents are complete.
That second half is the whole point. It is rarely the bank that slows a case down; it is the missing page of a tax assessment. Here is what is needed, in what order, and where it usually gets stuck.
Four steps
1
First conversation
Free, by phone or video. We establish whether the case holds — and if it does not, you hear that here, not in week three.
2
Documents
You supply, we assemble. This step determines the length of everything that follows.
3
Lender selection and application
The file goes to the lenders that actually take a case like yours — not to all of them.
4
Approval
Binding offer, then notarisation, land charge, disbursement.
The range: between the complete file arriving and the approval, expect 3 days to 4 weeks. Three days when the case is clean. Four weeks when it is not — and cases from abroad rarely are.
Where it gets stuck
What actually extends the timeline
- Documents from abroad. Payslips, tax assessments, employment contracts — two clicks in Germany, several weeks from Singapore, Dubai or the US.
- Source of funds. For larger equity amounts, the bank wants the full chain of evidence. Everything is financeable if the evidence is complete; supplying it only on request costs a fortnight.
- Foreign-currency income. Salaries in CHF, USD or GBP have to be converted and discounted — and not every lender does it the same way.
- Self-employment. Two to three years of accounts and tax assessments. The delay usually sits with the accountant, not the bank.
- The property itself. Missing floor plans, area calculations or energy certificates stall a file just as reliably as missing payslips.