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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What is an interest only loan?

An interest only loan is where your repayments for a set period (usually 1-5 years) only cover the interest portion of the loan, not the principal balance. This results in lower initial repayments and is a common strategy used by property investors to maximise cash flow or during the construction phase of a new home.

What is genuine savings?

Genuine savings is a term lenders use for funds that you have saved consistently over a period of time, typically at least three months. Lenders like to see this as it demonstrates good financial discipline. However, even if your deposit has come from another source like a gift, don't worry—we work with many lenders who have flexible policies and can still assist.

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What is the difference between a fixed rate home loan vs a variable rate?

A fixed rate loan locks in your interest rate for a set term (e.g., 1-5 years), providing certainty that your repayments won't change. A variable rate loan has an interest rate that can move up or down with the market, offering more flexibility with features like extra repayments and offset accounts. You can also choose a split loan, which gives you the best of both worlds.

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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