Home loan pre-approval, so you know your budget before you start looking. Pre-approval gives you a clear borrowing limit, puts you ahead at auction, and lets you move fast when the right property appears. Shane arranges pre-approval across 30+ lenders, typically within 2 business days, at a $0 brokerage fee.

Pre-approval is a conditional commitment based on your financial position. It confirms you're creditworthy and sets your borrowing limit. Full approval comes after you've found a specific property and requires a valuation and formal lender assessment. Pre-approval significantly reduces your financing risks.

Pre-approval is typically valid for 90 days. If your pre-approval expires before you find a property, I'll refresh it quickly with updated information. Some clients on longer searches prefer to update every 6-8 weeks to ensure their approval reflects their current financial position. If your circumstances improve (promotion, pay rise, reduced debt), updated pre-approval often increases your borrowing capacity.

Yes. A pre-approval triggers a hard credit enquiry, which typically reduces your score by around 5–10 points temporarily. The impact fades over the following months, but the enquiry itself remains on your file for five years. Applying to multiple lenders in a short period can compound this effect and may raise flags with lenders reviewing your credit history, so it's worth being targeted rather than applying broadly. I'll help you identify the right lender upfront so you're not creating unnecessary enquiries.

Not at all. Pre-approval doesn't commit you to any lender. It simply confirms how much you can borrow. Once you've found a property and are ready to move to full approval, I'll review the market and identify the best rate and terms available at that point. Pre-approval is informational; the binding commitment happens only at full approval and loan acceptance.

Pre-approval reflects your financial position at the time of approval. If something significant changes (new debt, job change, reduced income), let me know and I'll reassess. Minor changes typically don't affect approval. If your position improves, I can update your pre-approval to reflect a higher borrowing capacity. I stay in contact throughout your property search so nothing slips through.

Yes. Self-employed borrowers need to provide tax returns and financial statements rather than payslips, but the process is equally achievable. I work with lenders who are experienced with self-employed applicants and know which ones offer the most competitive terms and flexible assessment criteria. I'll advise on exactly what documentation to prepare to make the process as smooth as possible.