Home loan pre-approval in Sydney Pre-approval: know your budget before you fall for a place

A pre-approval tells you roughly what a lender will lend, so you can make offers and bid at auction with confidence. We make sure it's with a lender that suits the kind of property you're likely to buy.

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Who this suits

You're about to start inspecting
You plan to bid at auction
You want agents to take your offers seriously

How it works

A short callYour income, deposit, debts and what you're looking for.
Your documentsWe tell you exactly what we need, nothing more.
The right lenderNot every lender suits every property type or income, so we match before we apply.
Pre-approval issuedUsually valid for around 90 days, and we'll remind you before it expires.

Things worth knowing

Pre-approval is conditional

The lender still needs to approve the property and confirm nothing has changed in your situation.

Auctions are unconditional

If you buy at auction there's no cooling-off period. Make sure your pre-approval and deposit are ready, and call us before you bid.

Hold off on new debts

A new car loan or credit card between pre-approval and settlement can change what the lender will approve.

Documents you'll usually need

Photo ID
Your two latest payslips
Three months of bank statements
Statements for savings and debts

We'll confirm exactly what your lender needs, so you don't gather anything twice.

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Everything you need to know about pre-approvals

Calculators for this

Borrowing power calculatorAn estimate of how much you could borrow.NSW stamp duty calculatorTransfer duty, first home buyer concessions and foreign buyer surcharge.NSW first home buyer cost calculatorDeposit, stamp duty and loan size in one place.

Questions

Does pre-approval affect my credit score?

The lender makes a credit enquiry, which is recorded on your file. That's why we choose the lender carefully rather than applying everywhere.

How long does pre-approval take?

From a few days to about two weeks, depending on the lender and how quickly documents come in.

Is pre-approval a guarantee?

No. It's conditional on the property and your circumstances staying the same.

General information only. It doesn't consider your objectives, financial situation or needs. Lending criteria, fees and charges apply.

First home buyers

Ready when you are.

Book a 20-minute call. We'll listen first, explain your options in plain English, and tell you what we'd do next.