I'm wondering if there is a lender with quick loan approval to settlement time? Short version of the situation is, current bank has been processing an application for over a month assuring it's a done deal (requesting two extensions to settlement, after going unconditional). It's now looking likely the valuation will not be accepted by the bank (due to being non-habitable in it's current state) and settlement is due next week. My concern is we have had two recent credit enquiries (equity top up & above loan application). In essence we'd need a lender with quick approval/settlement times, potential kerbside valuation to eliminate security issues (?), non-credit scoring (given the enquiries within the last two months?). Of course all these assumptions are only based on my research in recent weeks so please point out if I'm way off base.