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Conditional pre-approval for your home loan

Before you start looking for a home or investment property, consider applying for conditional pre-approval. That way when you find your perfect place you’ll be ready to make the move with confidence.

Our conditional pre-approval is obligation-free, which means you don’t need to worry if you don’t find a home or investment property straight away. You can easily renew your pre-approval if required.

Pre-approval is ideal for showing vendors that you’re serious about making an offer and gives you a good understanding of what you can afford.

Conditional pre-approval takes into account your financial situation and indicates that you are eligible to apply for a home loan up to a certain limit. It’s not an offer of credit and we are under no obligation to lend you these funds.

To apply for conditional pre-approval, you can apply online, call us on 13 2224 or make an appointment to talk to a home lending specialist. You’ll need to know the price range of the property you’re looking for, how much deposit you have saved, as well as your income and living expenses.

Once you have found your dream home or ideal investment property, we will verify your financial position and you can make a final offer.

To apply for conditional pre-approval we'll do a complete credit assessment, including confirming your income and commitments. This helps us understand your ability to repay the loan and can speed up the mortgage application process, once you find your perfect home. If your conditional pre-approval expires, we will check your details when you re-apply, to confirm that your financial situation hasn’t changed and that the loan still meets yours needs and financial objectives.

Get conditional pre-approval

Talk to a Home Lending Specialist about getting conditional pre-approval on your home loan, so you can start house hunting with confidence.

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Important Information: Applications for finance are subject to the Bank’s normal credit approval. Full terms and conditions will be included in the loan offer. Bank fees and charges are payable. Provided the details initially agreed upon do not change, a Home Seeker loan approval guarantees the amount you can borrow, but not your interest rate.
If you do not find a property and accept our formal loan offer within 90 days of the conditional pre-approval date, we will need to obtain from you updated financials and confirm that the loan still meets your needs and financial objectives.