Get your first home loan pre-approval right here

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A pre-approval is critical for first home buyers

When it comes to buying property, carefully considering all your circumstances & options, and having to act fast when you need to can be quite a challenging task for first home buyers.A home loan pre-approval involves the lender checking your credit history, verifying your income, and on the basis of that information, providing you with a figure you can borrow for your first home. A pre-approval is usually subject to a range of conditions being met by the first home buyer – these will vary from lender to lender.

A pre-approval can also be referred to as one of the following terms by some lenders; Conditional approval, Approval in principle, Indicative approval, Homeseeker

How does the FHBA Pre-approval work?

  • FACT FIND

    Your FHBA Coach/Broker will contact you within 24 hours of your enquiry submission to conduct a comprehensive fact find so we have all the information to get you pre-qualified. If you pre-qualify your FHBA Coach will request a list of documents.

  • DOCUMENT COLLECTION

    Following the fact find, your Coach will request a list of documents that you can upload through our secure FHBA Journey Tracker. The FHBA Team will check they have everything and input all the information to work out your borrowing capacity.

  • LODGE PRE-APPROVAL

    Once your FHBA Coach has analysed the information we will provide you with 3-5 suitable lending options that suit your circumstances. We will send these to you for your review & selection. We will then lodge the pre-approval documents within 24 hrs.

Benefits of a pre-approval

Search for eligible properties

A pre-approval will allow you to only search for affordable properties that are within your budget for 90 days, as a pre-approval will show exactly how much you can borrow.

Bid/Offer with confidence

A pre-approval will allow you put offers up to your maximum limit and/or give you confidence to bid at an auction if that is how your dream home is being sold in the market

Giving you the upper hand

If you have a pre-approval and you are competing against someone bidding the same amount, the agent may prefer you as you are showing you are more serious about buying

Learn more about FHBA Mortgages

Various options

FHBA Mortgages can help you in any way that suits you, check if our mobile mortgage brokers can come to you, or if you would like your first home loan to be done remotely:

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Free Portal Access

If you are an FHBA Mortgages customer you get access to our unique first home buyer resources portal with a live online journey tracker, allowing you to communicate with all parties involved in your first home journey

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Frequently asked questions (FAQ’s)

We get asked many questions by our existing and aspiring first home buyer clients who are looking to get their first home loan through FHBA Mortgages

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Ready to apply now?

Regardless of whether you are looking to obtain a home loan pre-approval or just get a better idea of if you are ready or eligible for a pre-approval (via a home loan pre-qualification) FHBA can help you with all your first home loan needs and ensure
we help you when you want to buy your first home.

Simply complete the form below and an FHBA Broker/Coach will contact you within 24 hours to discuss your first home loan requirements:

Disclaimer: The information on our website including this page is general in nature and should be solely relied upon. It does not take your personal circumstances. The credit license responsible for the mortgage service offered to clients is Mortgage Australia Group Pty Ltd, Australian Credit License (ACL) number 377294, Australian Business Number (ABN) 99 091 941 749. Mortgage Australia Group Pty Ltd is a member of the Mortgage & Finance Association of Australia (MFAA). FHBA Pty Ltd is an authorised credit representative of Mortgage Australia Group Pty Ltd.

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