Finance Hub
Loan Pre-Approval
Pre-approval tells you roughly what a lender is willing to lend before you start seriously shopping. We introduce you to independent, licensed brokers who arrange it and explain its limits.
What pre-approval gives you
A pre-approval is an indication from a lender that, based on the information provided, they are likely to lend you up to a certain amount. It helps you set a realistic budget and shows agents and vendors that you are a serious buyer.
It is not a guarantee. Final approval still depends on the specific property, an up-to-date assessment, and conditions being met.
Buying with confidence
Walking into an inspection or negotiation with pre-approval in hand means you can act decisively when the right property appears, rather than scrambling for finance while someone else moves first.
How we help
We connect you with independent, licensed brokers who arrange pre-approval and explain how long it lasts. We do not issue approvals or give credit advice ourselves.
Related reading
- Mortgage and finance mistakes — the loan errors — including multiple applications — that hurt buyers most.
Frequently asked questions
How long does pre-approval last?
Pre-approvals are usually valid for a limited period before they need refreshing. Your broker can tell you the timeframe for your lender.
Is pre-approval a guarantee of finance?
No. It is a strong indication, but final approval depends on the property and updated checks. A broker can explain what remains conditional.