In this video we go through the most common home loan pre approval questions and answers in 2020, including what is a pre-approval and the different pre-approval mistakes we see made time and time again.

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00:00 Home Loan Pre Approval [Q&A in 2020]
00:40 Different Types of Pre-Approvals
02:01 How Long Does a Pre-Approval Last?
02:34 Does a Pre-Approval Guarantee A Loan?
03:23 How Long Does a Pre-Approval Take?
04:25 What Happens After My Pre-approval?
04:51 What Happens After My Pre-Approval expires?

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For home loan enquiries
jayden.vecchio@huntergalloway.com.au

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T: 1300 088 065
E: hello@huntergalloway.com.au

Mortgage Broker Brisbane - Hunter Galloway
Head Office: 3 Latrobe Tce Paddington QLD 4064
PO Box 841, Paddington QLD 4064
CBD Office: Level 20, 300 Queen Street Brisbane, QLD 4000

Hunter Galloway are an Award Winning Mortgage Broker based in Brisbane. We help clients from our local area, Australia, and all over the world. We believe buying a home should be stress-free and uncomplicated, and we will work for you to make your dreams become reality.

Next steps and settling your first home

Our team here at Hunter Galloway is here to help you buy a home in Brisbane. Nathan & Joshua Vecchio are Senior Mortgage brokers who specialise in making your home journey easy.

Unlike other mortgage brokers who are just one person operators, we have an entire team of experts to help make your home loan journey as simple as possible.

If you want to get started, please get in touch and we can book a time that suits you – either a phone call information session or a face to face meeting (which doesn’t cost anything for you).

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What is loan pre-approval?
A loan pre-approval means that a lender has agreed, in principle, to lend you an amount of money towards the purchase of your home but hasn't proceeded to a full or final approval. It allows you to know your maximum available funds so you can narrow your search, negotiate with more certainty, and bid with more confidence if you're going to auction.

A pre-approval is a valuable step in getting you closer to your new family home or investment property. It's not a requirement in the home buying process, but it can make life easier.

Does pre-approval mean that my loan is guaranteed to be approved?
No. While pre-approval means that you're more likely to have a loan approved, it doesn't provide an iron-clad guarantee. The following factors - among others - can affect whether a loan for which you've been pre-approved proceeds to final approval:

Changes to your personal circumstances
Changes to government regulations
A negative valuation of the property
A change in the property's condition

DISCLAIMER:
This video offers no Legal, Financial and Taxation advice, and the information contained is general and does not take into account your personal situation. The Listener acknowledges, consents and agrees to the viewing of the content presented on the Channel is subject to the full Disclaimer (below) and agrees to be unconditionally bound by this Disclaimer.

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