Your Loans

Pre-Approval Australia


What is pre-approval?

Often referred to as “conditional approval” or “approval in principle” is the most sensible approach to Australian home lending.

Pre-approval means the lender has fully assessed your income and determined your eligibility for a loan. Its completely free to apply and you’re not locked into any product or rate- that can be determined once you’ve purchased.

How it will help you:

Know what the bank is prepared to lend
To work within a budget
Make an offer with confidence
Lets realtors know you're completely serious when making an offer

Most lenders provide pre-approval for a period of up to 90 days but generally as long as your financial circumstances don’t change, can often be extended.

The key requirement for pre-approval is getting together the loan eligibility requirements listed below.


Loan Eligibility

Our Australian banking partners will require:

For Salaried Employees: (Aus citizens & Aus PR’S)

  • Last 3 months payslips

  • Bank statements for 3 months showing the corresponding salary credit (** Banks will no longer accept internet print outs without full name & address of applicant)

  • Copy of original employment contract (signed by both employer & employee)

  • Copy of passport (** Including stamped travel pages)

  • Copy of NRIC or Employment Pass (Front & back copies)

  • Copy of contract of sale (if purchasing)

  • 6 months loan statements (if refinancing an existing loan)

* All documents provided must be in clear legible PDF format

*Kindly note the eligibility list are mandatory requirements for our lending partners.
**Lenders will require a copy of the passport photo page + any stamped travel pages. This is a compliance requirement.
***No information is shared with any lender until all info is provided & the lender privacy acknowledgement has been signed by all intended borrowers. Your information remains confidential at all times.

For Self-Employed (Aus Citizens only):

  • Please call us to check your eligibility

Aussie Citizens

  • Australian citizens living outside of Aus can still easily obtain an Australian home loan-but there’s a few things you need to be aware of :

    • 2017 banking policies have significantly changed for Aussie expats but the good news is Aussie banks are still lending

    • Banks have varying assessment policies for Australian Citizens

    • In short, as a Singapore-based Australia property owner, loans that can be easily approved at one lender may not meet servicing criteria at another

Aussie PR & NZ Citizens

  • Aus PR & NZ Citizens living outside of Aus have similar requirements as citizen’s although:

    • Banks will need to see evidence of your Australian PR  visa is indefinite with no restrictions

    • Banks have varying assessment policies for Australian PR’s & NZ citizens

    • In short, as a Singapore-based Australia property owner, you’re likely an exception case to both Australian banks

Don’t risk not talking to an Aussie mortgage expert!

Get in touch with us without obligation to find out how we can be of help.

Our panel of lenders

  • Adelaide-Bank
  • Amp
  • Anz
  • Bank-Of-Melbourne
  • Bankwest
  • CIMB
  • Citibank
  • Homeside
  • Commonwealth Bank
  • DBS Bank
  • Firstmac
  • Heritage Bank
  • Homeloans
  • ING Direct
  • LA Trobe
  • Liberty
  • NAB
  • Macquarie Bank
  • Me Bank
  • OCBC
  • Pepper Financial Services Group
  • St. George Bank
  • Suncorp Bank
  • UOB
  • Westpac