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Learn more about your loan pre-approval

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Your pre-approval application should only take you just a few minutes to complete. From there we will provide you with an immediate response confirming if we are able to provide you with a conditional loan approval. You can print a letter with the details of your conditional approval, and we'll also send you an entitlement certificate to the email address that you provided in your application.

And we'll speak with you, too

We'll give you a call a few days after we've received your application. If you want to make a full application, we'll arrange that when will call.

What is a "pre-approval"?

If your application for a pre-approval is approved it means that from the basic information you've provided us suggests that you'll qualify for one of the loans offered by The mortgage Approval Company’s panel of lenders. But since we haven't checked the information that you’ve provided your pre-approval is not a guarantee for a loan.

Pre-approval isn't a guarantee

You should only use pre-approval as a guide. If you want to make an offer on a property, or bid at an auction, pre-approval isn't enough: You need to make a full application and have that application approved.

There are some things that pre-approval doesn’t take into account. For example, conditional approval might not indicate that we'll offer you full approval if:

  • you're self-employed and will make a "low doc" application
  • you want a line of credit instead of a regular home loan
  • you want to borrow more than 95% of the property's value
  • you want to buy an inner-city apartment, or another type of property that has special valuation guidelines.

Remember that you can only get full approval by completing a full home loan application.

Buying your first home?

Pre-approval doesn't factor in the first home owners' grant (FHOG). We'll take the FHOG into account as part of your full application. Borrowing more than 80% of the property value?

You'll probably have to pay lenders' mortgage insurance (LMI) if you're borrowing more than 80% of the property value. Conditional approval doesn't take the cost of LMI into account.

Please note that your use of the information on this website is governed by the sites Terms of Use, Credit Disclosure Guide, Security Statement and Privacy Statement.



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