How to Get a Pre-Approval for a Home Loan
✨ How to Get a Pre-Approval & Why It Matters! ✨
Your step-by-step guide to securing pre-approval and taking the first big step toward homeownership.
Why Get Pre-Approved?
✅ Know Your Budget – Avoid falling in love with a home outside your price range.
✅ Confidence When House Hunting – Sellers take you more seriously with pre-approval in hand.
✅ Saves Time – You’ll move faster when it’s time to make an offer.
✅ Spot Potential Issues Early – Identify and fix any roadblocks to securing your loan.
Steps to Getting Pre-Approved
1️⃣ Chat with a Mortgage Adviser (That’s Me!)
I’ll help assess your borrowing power and recommend the best lender for your situation.
2️⃣ Organise Your Finances
Gather your proof of income, recent bank statements, KiwiSaver balances, and details of any debts. (I guide you through this process).
3️⃣ Submit Your Documents
I’ll package everything up into a strong application to maximise your chances.
4️⃣ Get Your Pre-Approval
Once approved, you’ll know how much you can borrow and the conditions attached.
Pro Tips for Pre-Approval
🌟 Avoid Big Spending – No new cars or credit card splurges while house hunting (unless you check in with your adviser first to understand any implications that purchase may have).
🌟 Be Honest – Disclose all financial details upfront to avoid hiccups later.
🌟 Act Quickly – Pre-approval often lasts 3-6 months, so start your search soon after.
Ready to Start?
I’ll help you navigate the process, so you feel confident and prepared. Let’s make your home-buying journey as stress-free as possible!
Ready to Start?
I’ll help you navigate the process, so you feel confident and prepared. Let’s make your home-buying journey as stress-free as possible!
Contact me here — pre-approval is the key to unlocking your dream home.