Full credit assessment
We submit a complete application with all supporting documents - payslips, tax returns, 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 3–7 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.