When you’re looking to buy a property, conditional approval, sometimes called pre-approval, will give you an idea of how much money you’ll be able to borrow.

What is conditional approval

Conditional approval is an offer of how much we could lend you. This means you can focus on looking at properties within your price range and when you find a property you like you’ll be able to move quickly and make an offer.

When to apply for conditional approval

If you’re looking to buy a property, talk to us about conditional approval once you’ve got your deposit together and you’re ready to start going to open homes.

How to get conditionally approved

To get the ball rolling, please talk to our home loan specialists. We’ll need to know what you earn, what you own and what you owe. Conditional approval lasts for 90 days and can be extended for another 90 days as long as nothing changes.

Getting full approval

To get full approval, we may need some additional information from you, such as a property valuation. Your home loan specialist will talk through exactly what we need from you.

Having a conditional approval speeds up the process for getting full approval because you'll already have an idea how much you may be able to borrow subject to the conditions, so you're part way there.

Let's get you into your first home

Our home loan specialists and tools can help you through the journey of buying your first home.

Talk to a specialist

Our home loan specialists can walk you through the process of buying a home and discuss what your options are.

Find a specialist

Use our calculators

Our first home buyer and repayment calculators can help you work out how to manage your home loan, pay your home loan off more quickly or get you into your new home.

Calculate now