24-Hour Express Service

At Picnic, we understand the stress and worry that comes with buying a house. Many customers come to us having previously experienced the high of having an offer accepted on a property only to be let down afterwards due to either having a worthless Mortgage In Principle (MIP) from a broker rather than a lender or a slow and lumbering mortgage application process.  

Our 24-hour express service will help ensure this doesn’t happen to you! Here’s how it works and why it’s important. 

How It Works

Have you had an offer accepted on a property? Great! If you’ve reached this stage in the home buying process, or you’re remortgaging, you now qualify for our Express Service, which aims to get you a true Mortgage In Principle (MIP) from a lender - one you can trust - and assign your case to our Pre-application team within 24 hours. 

This obviously depends on you providing us with all the necessary information we’ll need to be able to complete your application within this timescale, but moving forward, you’ll be a priority customer, benefitting from this unique service as part of our promise to you. 

Why It’s Important

A lot of customers come to us having felt pressured into making an offer on a property before they were truly ready to move forward with their mortgage. Being unprepared could result in an offer being withdrawn, which can be pretty demoralising if you have your heart set on a particular property. 

At Picnic, we do things the right way around. No pressure, no gimmicks. 

By seeking a true Mortgage In Principle from a lender and making sure your application is completed properly, we can match your criteria and requirements to the right mortgage product that best suits your needs, giving a much higher probability of acceptance. 

All of this is done within 24 hours, making sure the offer you’ve had accepted on the property you want to buy can be secured and confirmed with your seller. 

Complete peace of mind delivered swiftly and ensuring your homebuying journey keeps moving at the right pace. 

The Small Print

Here are a few terms and conditions of our Express Service to be aware of in advance. 

• The 24-hour timescale applies after you have spoken to one of our qualified mortgage advisors and submitted all necessary documentation to Picnic.

• Once you're passed to our Pre-application team, they may require further documentation specific to the lender in addition to what was requested by our Advisors for your MIP. The 24-hour timescale applies from the point you have supplied everything to our Pre-application team. 

• 24 hours is calculated in working hours. Monday to Friday, outside these hours, processing time may be extended.