Pre-approvals

Home Loan Pre-Approval in Sydney – often within 24–48 hours.

Know your borrowing power before you start inspecting. A pre-approval tells you what you can spend, keeps your search realistic, and puts you in a stronger position when it's time to make an offer. Approvals are typically valid for 3–6 months.

Call 1300 88 LOAN (1300 88 5626)

No obligation · Free consultation · 24hr turnaround on many applications

Why get pre-approved

Three reasons to do it before you inspect.

Shop with confidence

Know exactly what you can afford before you start looking — no falling for places out of range.

Faster to settlement

With conditional approval already in place, the formal application moves quickly once you've found the property.

Stronger position

Agents and vendors take pre-approved buyers seriously — at auction and in private negotiations.

How it works

A simple four-step process.

  1. 01

    Application

    Complete our simple form or speak to a broker.

    5 minutes

  2. 02

    Assessment

    We review your financial situation and submit to the right lender.

    24 hours

  3. 03

    Approval

    Receive your conditional approval letter.

    2–3 days

  4. 04

    Property search

    Start inspecting with a real budget behind you.

    Ongoing

What you'll need.

  • Recent payslips (last 3 months)
  • Bank statements (last 3 months)
  • Tax returns (last 2 years)
  • Proof of savings / deposit
  • Employment verification
  • ID documents (passport / licence)

Don't have everything ready? No problem — we can start your application and gather documents as we go.

Fast-track your home purchase.

Get pre-approved now and start inspecting with a real budget behind you. One broker runs your file from first call to approval letter, and our service costs you nothing. First time through the process? Our step-by-step pre-approval guide for NSW buyers covers what to expect.

Speak to a broker — 1300 88 LOAN

No obligation · Free consultation · 24hr turnaround on many applications

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No obligation

Get pre-approved now.

Your details are 100% secure and will not be shared.

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Access to 40+ trusted lenders
Panel subject to change; lender suitability assessed case-by-case.

Common questions

Pre-approval FAQs.

How long does pre-approval last?

Typically 3–6 months depending on lender policy. You may be able to extend or refresh if circumstances change.

Is pre-approval guaranteed?

It's conditional on your information and lender assessment. Formal approval requires property details and full verification.

What documents do I need?

Commonly payslips, bank statements, IDs and savings evidence. Requirements vary by scenario and lender.

Take the next step

Twenty minutes. Straight answers.

Book a free call and walk away knowing your borrowing power, your options, and whether your current loan still stacks up — whatever you decide to do next.

Call 1300 88 LOAN
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