What is home loan pre-approval?
Use this before making offers so documents, conditions, expiry dates, valuation risk and lender checks are understood.
Read guideDocuments and approval
Home loan documents and approval guides
Prepare identity, income, savings, debts, expenses and property details, plus clear context for unusual income, credit issues, business changes or a complex refinance.
Popular guides.
Documents needed for a home loan
A practical checklist of document areas commonly reviewed before a home loan application.
Read guideApproval prep
Check what can change lender assessment
Pre-approval, credit score, income type, debts, and savings history can all change what needs to be checked before lodging.Credit score and home loans
Understand how credit history, debts, repayment conduct, and lender policy can affect a home loan conversation.
Read guideHow much can I borrow for a home loan?
Understand the main inputs behind borrowing power before using a calculator or speaking with a broker.
Read guideBroker handoff
Give the broker a usable set of records
Organised, current records let the broker see whether the next move is to buy, refinance, review the loan or wait.Mortgage broker vs bank: what is the difference?
Compare speaking directly with one bank against having a mortgage broker review lenders available on their panel.
Read guideFirst home buyer guide: what to check before you apply
A practical first home buyer guide covering deposit, upfront costs, pre-approval, documents, grants, and when to speak with a broker.
Read guideRefinancing guide: how to review your home loan
A direct refinancing guide for reviewing your current loan, checking costs, comparing options, and deciding whether to speak with a broker.
Read guideCalculators
Check the numbers.
Model the numbers here, then ask a broker to check the lender policy, fees and assumptions behind them.
Next step
Ready to check what applies to your loan?
These guides are general information. emoney can review your goal, lender options and documents before you make a loan decision.