Getting your loan pre-approved

  • Simple process
  • Clear guideline of what to do
  • Provides confident buying process
  • Valid for 3-12 months
  • Allows you to act quickly
  • Gives you peace of mind

Getting your finance pre-approved before you go house hunting is simple to do and gives you great confidence in the buying process. A pre-approval is similar to full finance approval except the final details of the property you purchase have not yet been determined.

This 'in principle approval' is usually valid for 3 months and can be valid for up to 12 months so you can take your time to find the perfect place.

Remember that the pre-approval is subject to the conditions under which it is approved, but it gives you a clear framework to work within.

Formal unconditional pre-approval

There are many 'versions' of home loan pre-approvals and many are only indications. If you want to go the next step and get something you can rely on, then talk to us about getting unconditional pre-approval.

Note that if you successfully bid at auction and your loan doesn't come through, you could lose your deposit. Getting your loan pre-approved will give you this peace of mind.

If you leave it too late to apply for your Home Loan, other buyers who already have pre-approved finance may beat you to your chosen property.

Click here to arrange your pre-approval

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If you have already purchased a property make the time to call us and we will get started in obtaining the right loan for you.

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Depends on the size of your deposit, the value of the property, and your servicing capacity (based on your income and how much you are able to repay).


Most mortgage lenders will require a deposit of 20% or more of the property price. Less may be required however will require mortgage guarantee insurance in most cases


Depends on the type of loan, intrerestr rate, payment term, and whether you pay monthly or fortnighly. Use us mortgage calculators to guide you.


Every state is different and may depend on the value, whether you are building or buying an established home. Read more in our FHOG article


It is a rate that includes both the interest rate and the fees and charges relating to a loan, combined into a single percentage figure that lets you compare loans from differengt lenders on a fair comparison.


This 'in principle approval' is usually valid for 3 months. Gives you the confidence on how much you can borrow before your purchase a property.


The cost of Stamp Duty varies between States and Territories. Subject to your personal loan circumstances, the cost of stamp duty can be included in the loan amount you borrow.

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