Home loans with pre-approval
Looking for a home loan that offers pre-approval? The table below displays a list of first-home-buyer home loans from our Online Partners available with pre-approval. The results are sorted first by Star Ratings (highest to lowest), then lowest comparison rate, then alphabetically by brand.
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The initial results in the table above are sorted by Star Rating (High-Low) , then Comparison rate^ (Low-High) , then Provider Name (Alphabetical) . Additional filters may have been applied, see top of table for details.
What is a home loan pre-approval?
Pre-approval home loans – also known as ‘conditional pre-approval’ loans, work in much the same way as a normal home loan. The key difference is that a lender gives you conditional approval for a home loan before you’ve found a place you’d like to buy.
This conditional approval is not a guarantee you’ll be fully approved for a loan when you’re ready to make an offer on a property.
But pre-approval home loans can give you, as a potential home buyer, a firm idea of how much you can afford to borrow – and therefore pay for a home. In this way, a pre-approval home loan allows you to set a realistic buying budget, and hone in on listed properties that are within your price range.
Pre-approval home loans can allow you to bid with confidence at auction, or negotiate strongly on a private treaty sale, knowing you have a good chance of securing full loan approval from the lender.
Conditional pre-approval is not something every lender provides. That’s why Canstar’s comparison of banks and other lenders that offer pre-approval home loans can be a handy time saver.
Frequently Asked Questions about Pre-approval Home Loans
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Canstar Star Ratings and Awards
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About the authors
Nina Rinella, Editor-in-Chief
Joshua Sale, Group Manager, Research & Ratings
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This advice is general and has not taken into account your objectives, financial situation or needs. Consider whether this advice is right for you.