Mortgage Pre-Approval
Know your budget. Negotiate with power. Move with speed.
Start with a free 15-minute chat about your deposit and borrowing power. If it's worth going deeper, your adviser books the full 30-minute pre-approval session with you on the call.
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Watch first. 40 seconds on how the bank tests your number.
Get your confidence, pre-approved.
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Know your exact budget
Stop guessing from an online calculator. You get a real borrowing figure from a real lender, so every open home you walk through is one you could actually buy.
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Negotiate with power
Agents and vendors treat a pre-approved offer differently. Certainty is the most underrated negotiating tool in property, and it costs you nothing to get.
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Move with speed
In a hot market, deals do not wait. When the right listing appears you are ready to make an offer that day, instead of starting your finance from scratch.
What you actually walk away with
Not a phone call and a maybe. A written answer you can act on, and where your situation supports it, the pre-approval document itself.
What is in it
- Your borrowing range in writing: the number, and the assumptions sitting behind it.
- A lender-by-lender read: where your application is strongest across the main banks and the non-bank lenders, and why.
- Deposit and KiwiSaver position: what you have to work with today, and the gap if there is one.
- A structure recommendation: how the lending should be split and why, in plain language.
- An offer strategy: the conditions behind the approval, how long it lasts, and how to use it when you bid.
And where your situation supports it, the pre-approval itself: the lender's own written approval in your name. We will tell you up front if you are not there yet, and what would change that.
We do the lender conversations and the calculations. You get it in writing.
Already signed a sale and purchase agreement? Skip the pre-approval step and go straight to Quick Purchase Support: we fast-track the application so you can confirm finance before the condition date.
This is what actually happens
Five steps, start to settlement. Most of the work sits with us. Your part is one conversation and a set of documents.
Discovery & Goal Setting
A short conversation about what you earn, what you owe, and what you are actually trying to buy. This is where we work out whether a pre-approval is the right next move for you.
Structuring Your Application
We tell you exactly which documents we need and why. Then we structure the application so it presents your financial story in the strongest light to the right lender.
Lender Negotiation & Placement
We put your application in front of the lenders most likely to say yes, and negotiate the rate, structure and conditions on your behalf.
Pre-approval & Buying Strategy
We walk you through the approval amount, its conditions and its expiry date, then give you a plan for making offers so you can act with confidence.
Ongoing Support to Settlement
When you find the property, we handle the final sign-off with the lender and stay with you through to settlement day.
Where you are right now
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First-home buyers
Turn "maybe next year" into a number. Most first-home buyers overestimate what they need and underestimate what they can borrow. A pre-approval replaces the guesswork with a figure you can shop with, and shows you exactly what has to change if the figure is not there yet.
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Existing homeowners
Upgrading or downsizing usually means buying before you have sold. A pre-approval confirms how much of your current equity you can use, what a bridging position looks like, and what you can offer while your own home is still on the market.
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Property investors
Good deals go to whoever can move first. A pre-approval sets your ceiling across the portfolio, shows which lender will take the next property, and lets you bid knowing your finance is already in place.
One conversation and you will know your number.
No cost and no obligation. Bring your questions. We will tell you honestly where you stand, and what to change if the number is not there yet.