Home Loan Pre-Approval

A home loan pre-approval is your golden ticket to a successful property search. It’s a formal indication from a lender of how much they are prepared to loan you, giving you a clear budget and the power to make offers with confidence. In the fast-paced Gold Coast property market, being pre-approved is non-negotiable.

Get Pre-Approved and Buy on the Gold Coast with Confidence

Searching for a home in suburbs like Mermaid Waters or Coomera without a pre-approval is like flying blind. You risk wasting time looking at properties outside your budget or, worse, missing out on your dream home because you're not ready to make a credible offer. At Max Rich, we take the guesswork out of the equation. We’ll assess your financial situation and secure a formal pre-approval, transforming you into the kind of prepared, confident buyer that sellers and real estate agents take seriously.

Our Streamlined Path to Your Pre-Approval

Our process is designed to be quick and efficient, getting you ready to hit the open homes with a clear, approved budget.

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1

Initial Discovery Call

We start with a quick chat to understand your financial position, your deposit size, and your property goals. This helps us get a clear picture from the very beginning.

2

Information & Document Collection

We’ll provide you with a simple checklist of the documents we need, such as payslips and bank statements, and help you gather everything required by the lenders.

3

Lender Strategy & Selection

Not all pre-approvals are equal. We'll compare options from over 60 lenders and select the one whose policies and assessment process best suit your specific circumstances.

4

Application Lodgement

We professionally package your information and submit your pre-approval application to the chosen lender, ensuring it's presented in the best possible light for a positive outcome.

5

Conditional Approval Issued

‍The lender assesses your application and, upon success, issues a formal pre-approval certificate. This is your green light to start making offers!

6

Guidance for Your Property Search

‍With your pre-approval in hand, we'll provide guidance on what to do next, how to make an offer, and the conditions you should consider. We're with you every step of the way.

Explore your loan options & their features.

A pre-approval isn’t a type of loan, but rather the first critical step towards securing one. It's important to understand the difference between a quick online calculator estimate and a formal, fully-assessed pre-approval. A formal pre-approval means the lender has actually reviewed your financial documents and conditionally approved you for a specific loan amount. This is the only type of pre-approval that gives you true negotiating power in the market.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Borrowing Calculator

Use the calculator to find out how much you could borrow.

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Budget Planner Calculator

Use this budget planner to help understand your income and expenses, and where you could make savings.

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Extra Mortgage Repayments Calculator

You could potentially save thousands of dollars and take years off your loan by making extra repayments. Let’s run the numbers.

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Honeymoon Rate Loan Calculator

A honeymoon loan can help reduce your monthly repayments for a set term. Use this calculator to compare what your repayments would be compared to a variable loan.

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Income Tax Calculator

The income tax calculator can be used to calculate your net income.

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Loan Comparison Calculator

Different loans have different fees, features and repayment options. Use our loan calculator to see how the numbers stack up between two loans.

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Loan Repayment Calculator

Use this repayment calculator to understand how much your loan repayments might be.

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Lump Sum Repayment Calculator

This home loan repayment calculator helps you calculate the savings benefits of making additional lump sum repayments on your home loan.

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Mortgage Offset Calculator

Use the calculator to see how quickly you could pay off your loan with an offset account.

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Savings Planner Calculator

Use the calculator to find out how much you could save.

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Stamp Duty Calculator

Find out how much budget you need to set aside to cover Stamp Duty costs and what the requirements are in your state or territory.

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Frequently asked questions.

View our full FAQs
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How will you decide which loan is best suited to my circumstances?

Our recommendation is based on a combination of your personal situation and our legal obligation under the Best Interest Duty. We conduct a detailed analysis of your financial goals, income, and needs. We then use this information to compare hundreds of products from over 60 lenders, assessing not just the interest rate, but also fees, features, and lender policies to find the loan we believe is genuinely best for you.

Should I rent or buy?

This is a major financial decision with pros and cons on both sides. Buying allows you to build equity and provides long-term stability, while renting offers flexibility and fewer responsibilities. We can help you understand all the costs and financial commitments involved in buying a property on the Gold Coast, giving you the clarity to make an informed decision that’s right for you.

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Should I use a bank or broker?

A bank can only offer you its own limited range of products. As your mortgage broker, we offer you a choice from over 60 different lenders. We work for you, not the banks. Our role is to understand your unique needs, compare the market to find a suitable loan, and manage the entire process from application to settlement, saving you time and stress.

What are the types of mortgages?

There are several types of mortgages available to borrowers, each with its own features and benefits. The most common types include:

  • Fixed-Rate Mortgage: The interest rate remains the same throughout the life of the loan.
  • Adjustable-Rate Mortgage (ARM): The interest rate may change at specified times, usually resulting in lower initial payments.
  • Interest-Only Mortgage: The borrower pays only the interest for a certain period, after which they begin paying off the principal.

Choosing the right type of mortgage depends on individual financial situations and long-term goals.

What are the upfront costs I should be aware of when buying?

Beyond the deposit, there are several other costs to budget for. We believe in full transparency, so there are no "hidden fees." We provide all our clients with a clear breakdown of expected purchase costs, which typically include:

  • Stamp Duty (a state government tax)‍
  • Legal and Conveyancing Fees
  • Building & Pest Inspection Reports
  • Lenders Mortgage Insurance (LMI), if your deposit is less than 20%‍
  • Bank and Government Fees

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What does a mortgage broker do?

A mortgage broker is your professional partner in property finance. We first assess your financial situation and goals. Then, we compare hundreds of loans from our panel of over 60 lenders to find a suitable option. Finally, we manage the entire application process for you—from lodging the paperwork to liaising with the banks and coordinating settlement. We are your guide and advocate every step of the way.

Talk to us today about your options.

Let’s chat today and find the right solution for you. Whether you’re buying your first home, expanding your business, or upgrading your vehicle, Maxine and the Max Rich Brokerage team provide expert, obligation-free guidance across the Gold Coast, Logan, Brisbane, and the Scenic Rim, tailored to your goals.

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