Home Loan Pre-Approval

Getting pre-approval for a home loan is one of the smartest steps you can take when buying property in Chatswood or on Sydney’s Lower North Shore. At Chatswood Home Loans, we help you secure conditional approval, understand your borrowing capacity, and position you confidently when making offers.

Why Pre-Approval Matters

Know your borrowing limit — pre-approval shows how much a lender is willing to lend you based on your income, expenses, credit, and deposit. NSW Government+1
Stronger negotiating position — when vendors see you already have approval, your offer is more credible.
Search with confidence — you can filter properties within your budget and avoid disappointment.
Speed up formal approval — many of the checks (credit, income, documents) are done up front, which accelerates the final approval once you’ve selected the property.

Pre-approval is typically valid for 3–6 months (subject to lender policy and any change in your financial situation). NSW Government

How we help with Pre-Approval

Detailed Financial Assessment

We begin with a full assessment of your income, expenses, liabilities, assets and savings. We identify opportunities to optimise your financials (e.g. reducing discretionary expenses, consolidating debts) so your borrowing potential is maximised.

Lender & Product Matching

We compare pre-approval criteria and products across multiple lenders (major banks, non-banks, specialist lenders) to find those where your financial profile fits best. We consider features such as interest rate type, loan-to-value ratio (LVR), offset / redraw and flexibility.

Application Preparation

We assist you to gather the required documents (payslips, bank statements, proof of identity, existing debts, business income if relevant) and prepare your submission in a way that meets lender expectations.

Submission & Follow-Up

We lodge your conditional approval request to the lender and track its progress. We address queries from the lender, provide additional documents if needed, and keep you updated at each stage.

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What to Expect

Initial meeting / fact find — discuss your income, goals, timeframe, deposit
Assessment & lender matching — identify suitable lenders for your profile
Document collection & preparation — we guide you step by step
Submission to lender — lodge your conditional approval request
Receive conditional approval — usually valid for 3–6 months
Property search & offer stage — with confidence in your budget
Formal / final approval — after property selection, valuation & contract
Settlement & loan activation

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