Full credit assessment
We submit a complete application with all supporting documents, payslips, tax returns and bank statements, so the pre-approval is properly assessed, not auto-generated.
← Loan Types
A pre-approval the agent actually believes.
There are two common types of pre-approval: quick system-generated estimates, and fully assessed pre-approvals reviewed by a credit team. A fully assessed pre-approval is usually much stronger, but it is still subject to final lender checks once a property is found.
Who this is built for.
- First home buyers about to start the search
- Buyers heading to auction and wanting bidding confidence
- Anyone who's had a 'pre-approval' fall over before
- Investors timing their next purchase
- Self-employed borrowers needing the income story tested upfront
- Buyers wanting to negotiate from strength
What we do
How we approach this work.
Real lender, real credit officer
A pre-approval is only worth what the lender will honour at unconditional. We use lenders whose pre-approvals have a strong track record of converting to full approval, subject to final checks.
Borrowing capacity benchmark
We model multiple lenders so you know your top realistic price: not just what one lender will let you have.
Valid for the property hunt
Pre-approvals typically run 3 months, renewable. We track expiry and refresh it before it lapses so your offers stay clean.
FAQs
Common questions.
Does pre-approval guarantee my loan?+
No. Final approval still requires a satisfactory property valuation, property type checks, lender policy, credit conditions and no material change to your finances. A fully assessed pre-approval is usually stronger, but it is not a guarantee once a specific property is involved.
Will pre-approval affect my credit score?+
Yes, a credit enquiry is recorded. That's why we don't submit pre-approvals to multiple lenders simultaneously: we pick one lender carefully.
How long does pre-approval take?+
Once we have your documents, most lenders return a fully assessed pre-approval within 3 to 7 business days. Some specialist lenders can be faster.
Next step
Let's chat about your next move.
No pressure, no jargon. We'll listen first, then map out the smartest way forward.