[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2026\/03\/27\/pre-approval-explained-in-2026-what-banks-dont-tell-you\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2026\/03\/27\/pre-approval-explained-in-2026-what-banks-dont-tell-you\/","headline":"Pre-Approval Explained in 2026: What Banks Don\u2019t Tell You","name":"Pre-Approval Explained in 2026: What Banks Don\u2019t Tell You","description":"Pre-Approval in Australia: What Most Buyers Get Wrong (2026 Guide) Watch this video on YouTube. If you\u2019re planning to buy a property, you\u2019ve probably heard: \u201cGet pre-approved first\u201d But here\u2019s the truth\u2026 Most buyers don\u2019t actually understand what pre-approval means \u2014 and that can cost them the deal. As a mortgage broker and buyers agent, ... <a title=\"Pre-Approval Explained in 2026: What Banks Don\u2019t Tell You\" class=\"read-more\" href=\"https:\/\/truthgroup.com.au\/2026\/03\/27\/pre-approval-explained-in-2026-what-banks-dont-tell-you\/\" aria-label=\"Read more about Pre-Approval Explained in 2026: What Banks Don\u2019t Tell You\">Read more<\/a>","datePublished":"2026-03-27","dateModified":"2026-03-27","author":{"@type":"Person","@id":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/#Person","name":"Nicholas Parpis","url":"https:\/\/truthgroup.com.au\/author\/nicholasparpistruthpropertycomau\/","identifier":216551164,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f6058d552df68dbaf53120d13f9e89fc9834e3e1ba22039065b40df84bd9df29?s=96&d=identicon&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"Truth Group Pty Ltd.","logo":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2025\/10\/hero-logo-1-e1762756174980.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2025\/10\/hero-logo-1-e1762756174980.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/03\/pre-approval-explained-in-2026-what-banks-dont-tell-you-5.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/03\/pre-approval-explained-in-2026-what-banks-dont-tell-you-5.png","height":768,"width":1024},"url":"https:\/\/truthgroup.com.au\/2026\/03\/27\/pre-approval-explained-in-2026-what-banks-dont-tell-you\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=sMgC6cBBMt0#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=sMgC6cBBMt0","name":"Pre-Approval in Australia: What Most Buyers Get Wrong (2026 Guide)","description":"Thinking about buying a home or investment property in Australia?\nBefore you start making offers, there\u2019s one thing you need to understand properly:\n\nPre-approval does NOT mean you\u2019re fully approved.\n\nIn this video, I break down what pre-approval actually means in 2026 \u2014 and why so many home buyers get caught out.\n\nMost lenders issue conditional pre-approval, which means your loan is still subject to:\n\nProperty valuation\nFull document verification\nYour financial situation staying the same\n\nThat\u2019s why deals can fall through \u2014 even after you\u2019ve been \u201cpre-approved.\u201d\n\nWhat You\u2019ll Learn in This Video:\n\nWhat pre-approval really means in Australia\nThe difference between conditional and full approval\nWhy valuations can impact your loan\nHow missing documents can delay or kill your deal\nWhat changes can cause your approval to fall over\nHow to strengthen your pre-approval before you buy\n\nKey Takeaway:\nFinance first. Property second.\n\nGetting your pre-approval structured properly can be the difference between securing your property\u2026 or losing it.\n\nWant to Get Pre-Approved the Right Way?\nIf you\u2019re serious about buying, I can help you:\n\u2714 Understand your real borrowing power\n\u2714 Structure your loan correctly\n\u2714 Choose the right lender\n\u2714 Avoid costly mistakes\n\nBook a call or get in touch:\nhttps:\/\/truthgroup.com.au\/\n\nAbout Truth Group Pty Ltd\nMortgage Broker & Buyer\u2019s Agent based in Sydney.\nHelping home buyers and property investors with:\n \n- Mortgage planning\n- Property finance\n- Property search & acquisition (House and Land Packages Established Property, Commercial).\n- First Home Buyers, Upgraders, Downgraders and Investors.\n\n#preapproval\n#homeloanaustralia\n#mortgagebroker\n#firsthomebuyer\n#propertyaustralia\n#homebuyingtips","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/sMgC6cBBMt0\/default.jpg","https:\/\/i.ytimg.com\/vi\/sMgC6cBBMt0\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/sMgC6cBBMt0\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/sMgC6cBBMt0\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/sMgC6cBBMt0\/maxresdefault.jpg"],"uploadDate":"2026-03-27T02:26:54+00:00","duration":"PT53S","embedUrl":"https:\/\/www.youtube.com\/embed\/sMgC6cBBMt0","publisher":{"@type":"Organization","@id":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg#Organization","url":"https:\/\/www.youtube.com\/channel\/UCl_CSrwS5ltS8cuq5VYEvxg","name":"Truth Group Pty Ltd","description":"Welcome to Truth Group \u2014 where buying property and securing finance becomes simple, strategic, and stress-free.\nI\u2019m Niko, a licensed Buyers Agent and Mortgage Broker based in Sydney, here to help everyday Aussies make smarter property decisions.\n\nWhether you're buying your first home, investing, or need loan guidance, I break it down in clear, straight-talking videos.\n\nI help clients secure:\n\u2022 Established homes in high-growth areas\n\u2022 House and land packages\n\u2022 Commercial and mixed-use properties\n\u2022 Pre-approvals, refinance options & smart loan structures\n\nOn this channel, I share weekly tips on:\n\u2022 Buying strategies from a Sydney Buyers Agent\n\u2022 Mortgage planning & boosting borrowing power\n\u2022 Using a solid asset base to build wealth\n\u2022 Credit score & lender insights\n\n\ud83d\udccd Based in Hoxton Park \u2013 helping clients Australia-wide\n\ud83c\udf10 truthgroup.com.au | \ud83d\udcf1 Truth Group Pty Ltd on Facebook, LinkedIn & Google\nSubscribe now and let\u2019s get started.\n","logo":{"url":"https:\/\/yt3.ggpht.com\/0bYn-LN7lEmJEamUfHfCt1zo5YuZUz08PlGjcEoFWbe7cpd28E-tKPat4p5bIvQ5OfzsVXoPpXo=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=sMgC6cBBMt0#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=sMgC6cBBMt0#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=sMgC6cBBMt0&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"}},"about":["Latest Post"],"wordCount":489,"articleBody":"Pre-Approval in Australia: What Most Buyers Get Wrong (2026 Guide) Watch this video on YouTube..wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_4, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_4[data-kb-block=\"kb-adv-heading42450_4c8635-15_4\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_4[data-kb-block=\"kb-adv-heading42450_4c8635-15_4\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_4[data-kb-block=\"kb-adv-heading42450_4c8635-15_4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If you\u2019re planning to buy a property, you\u2019ve probably heard:.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_5, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_5[data-kb-block=\"kb-adv-heading42450_4c8635-15_5\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_5[data-kb-block=\"kb-adv-heading42450_4c8635-15_5\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_5[data-kb-block=\"kb-adv-heading42450_4c8635-15_5\"] img.kb-inline-image{width:150px;vertical-align:baseline;} \u201cGet pre-approved first\u201d.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_6, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_6[data-kb-block=\"kb-adv-heading42450_4c8635-15_6\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_6 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_6[data-kb-block=\"kb-adv-heading42450_4c8635-15_6\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_6 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_6[data-kb-block=\"kb-adv-heading42450_4c8635-15_6\"] img.kb-inline-image{width:150px;vertical-align:baseline;}But here\u2019s the truth\u2026.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_7, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_7[data-kb-block=\"kb-adv-heading42450_4c8635-15_7\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_7[data-kb-block=\"kb-adv-heading42450_4c8635-15_7\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_7[data-kb-block=\"kb-adv-heading42450_4c8635-15_7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Most buyers don\u2019t actually understand what pre-approval means \u2014 and that can cost them the deal..wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_8, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_8[data-kb-block=\"kb-adv-heading42450_4c8635-15_8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_8[data-kb-block=\"kb-adv-heading42450_4c8635-15_8\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_8[data-kb-block=\"kb-adv-heading42450_4c8635-15_8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}As a mortgage broker and buyers agent, I\u2019ve seen buyers:Get pre-approvedFind a propertyThen get declined.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_9, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_9[data-kb-block=\"kb-adv-heading42450_4c8635-15_9\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_9[data-kb-block=\"kb-adv-heading42450_4c8635-15_9\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_9[data-kb-block=\"kb-adv-heading42450_4c8635-15_9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_10, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_10[data-kb-block=\"kb-adv-heading42450_4c8635-15_10\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_10 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_10[data-kb-block=\"kb-adv-heading42450_4c8635-15_10\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_10 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_10[data-kb-block=\"kb-adv-heading42450_4c8635-15_10\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Let\u2019s break down what\u2019s really going on..wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_11, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_11[data-kb-block=\"kb-adv-heading42450_4c8635-15_11\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_11 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_11[data-kb-block=\"kb-adv-heading42450_4c8635-15_11\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_11 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_11[data-kb-block=\"kb-adv-heading42450_4c8635-15_11\"] img.kb-inline-image{width:150px;vertical-align:baseline;}What Is Pre-Approval?.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_12, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_12[data-kb-block=\"kb-adv-heading42450_4c8635-15_12\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_12 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_12[data-kb-block=\"kb-adv-heading42450_4c8635-15_12\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_12 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_12[data-kb-block=\"kb-adv-heading42450_4c8635-15_12\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Pre-approval (also called conditional approval) means:.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_13, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_13[data-kb-block=\"kb-adv-heading42450_4c8635-15_13\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_13 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_13[data-kb-block=\"kb-adv-heading42450_4c8635-15_13\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_13 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_13[data-kb-block=\"kb-adv-heading42450_4c8635-15_13\"] img.kb-inline-image{width:150px;vertical-align:baseline;}A lender has reviewed your situation and is willing to lend \u2014 subject to conditions.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_14, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_14[data-kb-block=\"kb-adv-heading42450_4c8635-15_14\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_14 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_14[data-kb-block=\"kb-adv-heading42450_4c8635-15_14\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_14 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_14[data-kb-block=\"kb-adv-heading42450_4c8635-15_14\"] img.kb-inline-image{width:150px;vertical-align:baseline;}It is NOT a full approval..wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_15, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_15[data-kb-block=\"kb-adv-heading42450_4c8635-15_15\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_15 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_15[data-kb-block=\"kb-adv-heading42450_4c8635-15_15\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_15 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_15[data-kb-block=\"kb-adv-heading42450_4c8635-15_15\"] img.kb-inline-image{width:150px;vertical-align:baseline;}What Banks Actually Check at Pre-Approval Stage.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_16, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_16[data-kb-block=\"kb-adv-heading42450_4c8635-15_16\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_16 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_16[data-kb-block=\"kb-adv-heading42450_4c8635-15_16\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_16 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_16[data-kb-block=\"kb-adv-heading42450_4c8635-15_16\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Depending on the lender, they may assess:Your incomeYour expensesYour credit historyYour debts.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_17, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_17[data-kb-block=\"kb-adv-heading42450_4c8635-15_17\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_17[data-kb-block=\"kb-adv-heading42450_4c8635-15_17\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_17[data-kb-block=\"kb-adv-heading42450_4c8635-15_17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_18, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_18[data-kb-block=\"kb-adv-heading42450_4c8635-15_18\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_18 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_18[data-kb-block=\"kb-adv-heading42450_4c8635-15_18\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_18 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_18[data-kb-block=\"kb-adv-heading42450_4c8635-15_18\"] img.kb-inline-image{width:150px;vertical-align:baseline;}BUT\u2026.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_19, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_19[data-kb-block=\"kb-adv-heading42450_4c8635-15_19\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_19 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_19[data-kb-block=\"kb-adv-heading42450_4c8635-15_19\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_19 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_19[data-kb-block=\"kb-adv-heading42450_4c8635-15_19\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Not all pre-approvals are fully assessed..wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_20, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_20[data-kb-block=\"kb-adv-heading42450_4c8635-15_20\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_20 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_20[data-kb-block=\"kb-adv-heading42450_4c8635-15_20\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_20 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_20[data-kb-block=\"kb-adv-heading42450_4c8635-15_20\"] img.kb-inline-image{width:150px;vertical-align:baseline;}What Banks Don\u2019t Tell You.wp-block-kadence-advancedheading.kt-adv-heading42450_50c452-17, .wp-block-kadence-advancedheading.kt-adv-heading42450_50c452-17[data-kb-block=\"kb-adv-heading42450_50c452-17\"]{font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_50c452-17 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_50c452-17[data-kb-block=\"kb-adv-heading42450_50c452-17\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_50c452-17 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_50c452-17[data-kb-block=\"kb-adv-heading42450_50c452-17\"] img.kb-inline-image{width:150px;vertical-align:baseline;}1. It\u2019s Conditional.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_21, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_21[data-kb-block=\"kb-adv-heading42450_4c8635-15_21\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_21 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_21[data-kb-block=\"kb-adv-heading42450_4c8635-15_21\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_21 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_21[data-kb-block=\"kb-adv-heading42450_4c8635-15_21\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Your loan is still subject to:Property valuationFinal checksPolicy changes.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_22_0, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_22_0[data-kb-block=\"kb-adv-heading42450_4c8635-15_22_0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_22_0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_22_0[data-kb-block=\"kb-adv-heading42450_4c8635-15_22_0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_22_0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_22_0[data-kb-block=\"kb-adv-heading42450_4c8635-15_22_0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}2. Your Situation Can Change.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_23, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_23[data-kb-block=\"kb-adv-heading42450_4c8635-15_23\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_23 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_23[data-kb-block=\"kb-adv-heading42450_4c8635-15_23\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_23 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_23[data-kb-block=\"kb-adv-heading42450_4c8635-15_23\"] img.kb-inline-image{width:150px;vertical-align:baseline;}If you:Take on new debtChange jobsIncrease spending.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_24, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_24[data-kb-block=\"kb-adv-heading42450_4c8635-15_24\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_24 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_24[data-kb-block=\"kb-adv-heading42450_4c8635-15_24\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_24 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_24[data-kb-block=\"kb-adv-heading42450_4c8635-15_24\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_25, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_25[data-kb-block=\"kb-adv-heading42450_4c8635-15_25\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_25 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_25[data-kb-block=\"kb-adv-heading42450_4c8635-15_25\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_25 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_25[data-kb-block=\"kb-adv-heading42450_4c8635-15_25\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Your approval can fall over.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_26, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_26[data-kb-block=\"kb-adv-heading42450_4c8635-15_26\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_26 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_26[data-kb-block=\"kb-adv-heading42450_4c8635-15_26\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_26 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_26[data-kb-block=\"kb-adv-heading42450_4c8635-15_26\"] img.kb-inline-image{width:150px;vertical-align:baseline;}3. The Property Matters.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_27, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_27[data-kb-block=\"kb-adv-heading42450_4c8635-15_27\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_27[data-kb-block=\"kb-adv-heading42450_4c8635-15_27\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_27[data-kb-block=\"kb-adv-heading42450_4c8635-15_27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Even if you\u2019re approved\u2026.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_28, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_28[data-kb-block=\"kb-adv-heading42450_4c8635-15_28\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_28 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_28[data-kb-block=\"kb-adv-heading42450_4c8635-15_28\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_28 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_28[data-kb-block=\"kb-adv-heading42450_4c8635-15_28\"] img.kb-inline-image{width:150px;vertical-align:baseline;}The property itself must be acceptable to the lender.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_29, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_29[data-kb-block=\"kb-adv-heading42450_4c8635-15_29\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_29 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_29[data-kb-block=\"kb-adv-heading42450_4c8635-15_29\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_29 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_29[data-kb-block=\"kb-adv-heading42450_4c8635-15_29\"] img.kb-inline-image{width:150px;vertical-align:baseline;} Why Deals Fall Over.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_30, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_30[data-kb-block=\"kb-adv-heading42450_4c8635-15_30\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_30 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_30[data-kb-block=\"kb-adv-heading42450_4c8635-15_30\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_30 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_30[data-kb-block=\"kb-adv-heading42450_4c8635-15_30\"] img.kb-inline-image{width:150px;vertical-align:baseline;}This is where most buyers get caught..wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_31, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_31[data-kb-block=\"kb-adv-heading42450_4c8635-15_31\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_31 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_31[data-kb-block=\"kb-adv-heading42450_4c8635-15_31\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_31 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_31[data-kb-block=\"kb-adv-heading42450_4c8635-15_31\"] img.kb-inline-image{width:150px;vertical-align:baseline;}They:Get pre-approvedFind a propertySign a contract.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_32, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_32[data-kb-block=\"kb-adv-heading42450_4c8635-15_32\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_32 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_32[data-kb-block=\"kb-adv-heading42450_4c8635-15_32\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_32 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_32[data-kb-block=\"kb-adv-heading42450_4c8635-15_32\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_33, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_33[data-kb-block=\"kb-adv-heading42450_4c8635-15_33\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_33 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_33[data-kb-block=\"kb-adv-heading42450_4c8635-15_33\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_33 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_33[data-kb-block=\"kb-adv-heading42450_4c8635-15_33\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Then\u2026.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_34, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_34[data-kb-block=\"kb-adv-heading42450_4c8635-15_34\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_34 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_34[data-kb-block=\"kb-adv-heading42450_4c8635-15_34\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_34 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_34[data-kb-block=\"kb-adv-heading42450_4c8635-15_34\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u274c The bank declines\u274c The valuation comes in low\u274c The deal collapses.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_35, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_35[data-kb-block=\"kb-adv-heading42450_4c8635-15_35\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_35 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_35[data-kb-block=\"kb-adv-heading42450_4c8635-15_35\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_35 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_35[data-kb-block=\"kb-adv-heading42450_4c8635-15_35\"] img.kb-inline-image{width:150px;vertical-align:baseline;}How to Do Pre-Approval Properly.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_36, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_36[data-kb-block=\"kb-adv-heading42450_4c8635-15_36\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_36 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_36[data-kb-block=\"kb-adv-heading42450_4c8635-15_36\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_36 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_36[data-kb-block=\"kb-adv-heading42450_4c8635-15_36\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Here\u2019s how to do it right:.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_37, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_37[data-kb-block=\"kb-adv-heading42450_4c8635-15_37\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_37 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_37[data-kb-block=\"kb-adv-heading42450_4c8635-15_37\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_37 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_37[data-kb-block=\"kb-adv-heading42450_4c8635-15_37\"] img.kb-inline-image{width:150px;vertical-align:baseline;}\u2714 Choose the right lender (policies vary)\u2714 Get a fully assessed pre-approval where possible\u2714 Don\u2019t take on new debts\u2714 Work with a mortgage broker.wp-block-kadence-advancedheading.kt-adv-heading42450_d4f0b4-6d, .wp-block-kadence-advancedheading.kt-adv-heading42450_d4f0b4-6d[data-kb-block=\"kb-adv-heading42450_d4f0b4-6d\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_d4f0b4-6d mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_d4f0b4-6d[data-kb-block=\"kb-adv-heading42450_d4f0b4-6d\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_d4f0b4-6d img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_d4f0b4-6d[data-kb-block=\"kb-adv-heading42450_d4f0b4-6d\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Why a Broker Makes a Difference.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_38, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_38[data-kb-block=\"kb-adv-heading42450_4c8635-15_38\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_38 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_38[data-kb-block=\"kb-adv-heading42450_4c8635-15_38\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_38 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_38[data-kb-block=\"kb-adv-heading42450_4c8635-15_38\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Not all pre-approvals are equal..wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_39, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_39[data-kb-block=\"kb-adv-heading42450_4c8635-15_39\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_39 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_39[data-kb-block=\"kb-adv-heading42450_4c8635-15_39\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_39 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_39[data-kb-block=\"kb-adv-heading42450_4c8635-15_39\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Some are:Fully assessedStrong and reliable.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_40, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_40[data-kb-block=\"kb-adv-heading42450_4c8635-15_40\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_40 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_40[data-kb-block=\"kb-adv-heading42450_4c8635-15_40\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_40 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_40[data-kb-block=\"kb-adv-heading42450_4c8635-15_40\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_41, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_41[data-kb-block=\"kb-adv-heading42450_4c8635-15_41\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_41 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_41[data-kb-block=\"kb-adv-heading42450_4c8635-15_41\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_41 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_41[data-kb-block=\"kb-adv-heading42450_4c8635-15_41\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Others are:Quick and weakMore likely to fail.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_42, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_42[data-kb-block=\"kb-adv-heading42450_4c8635-15_42\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_42 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_42[data-kb-block=\"kb-adv-heading42450_4c8635-15_42\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_42 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_42[data-kb-block=\"kb-adv-heading42450_4c8635-15_42\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_43, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_43[data-kb-block=\"kb-adv-heading42450_4c8635-15_43\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_43 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_43[data-kb-block=\"kb-adv-heading42450_4c8635-15_43\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_43 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_43[data-kb-block=\"kb-adv-heading42450_4c8635-15_43\"] img.kb-inline-image{width:150px;vertical-align:baseline;}I make sure your pre-approval is:\u2714 Solid\u2714 Structured properly\u2714 Ready for when you find the right property.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_44, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_44[data-kb-block=\"kb-adv-heading42450_4c8635-15_44\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_44 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_44[data-kb-block=\"kb-adv-heading42450_4c8635-15_44\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_44 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_44[data-kb-block=\"kb-adv-heading42450_4c8635-15_44\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Final Thoughts.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_45, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_45[data-kb-block=\"kb-adv-heading42450_4c8635-15_45\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_45 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_45[data-kb-block=\"kb-adv-heading42450_4c8635-15_45\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_45 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_45[data-kb-block=\"kb-adv-heading42450_4c8635-15_45\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Pre-approval is important \u2014but only if it\u2019s done properly..wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_46, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_46[data-kb-block=\"kb-adv-heading42450_4c8635-15_46\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_46 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_46[data-kb-block=\"kb-adv-heading42450_4c8635-15_46\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_46 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_46[data-kb-block=\"kb-adv-heading42450_4c8635-15_46\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Otherwise, it gives you a false sense of security.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_47, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_47[data-kb-block=\"kb-adv-heading42450_4c8635-15_47\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_47 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_47[data-kb-block=\"kb-adv-heading42450_4c8635-15_47\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_47 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_47[data-kb-block=\"kb-adv-heading42450_4c8635-15_47\"] img.kb-inline-image{width:150px;vertical-align:baseline;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_48, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_48[data-kb-block=\"kb-adv-heading42450_4c8635-15_48\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_48 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_48[data-kb-block=\"kb-adv-heading42450_4c8635-15_48\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_48 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_48[data-kb-block=\"kb-adv-heading42450_4c8635-15_48\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Thinking about buying?.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_49, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_49[data-kb-block=\"kb-adv-heading42450_4c8635-15_49\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_49 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_49[data-kb-block=\"kb-adv-heading42450_4c8635-15_49\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_49 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_49[data-kb-block=\"kb-adv-heading42450_4c8635-15_49\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Before you make an offer, make sure your pre-approval is actually solid..wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_50, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_50[data-kb-block=\"kb-adv-heading42450_4c8635-15_50\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_50 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_50[data-kb-block=\"kb-adv-heading42450_4c8635-15_50\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_50 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_4c8635-15_50[data-kb-block=\"kb-adv-heading42450_4c8635-15_50\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Reach out to me by heading to the contact page or apply online page I\u2019ll help you get properly approved \u2014 not just \u201cpre-approved\u201d.wp-block-kadence-advancedheading.kt-adv-heading42450_d1304e-f0, .wp-block-kadence-advancedheading.kt-adv-heading42450_d1304e-f0[data-kb-block=\"kb-adv-heading42450_d1304e-f0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading42450_d1304e-f0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading42450_d1304e-f0[data-kb-block=\"kb-adv-heading42450_d1304e-f0\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading42450_d1304e-f0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading42450_d1304e-f0[data-kb-block=\"kb-adv-heading42450_d1304e-f0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Share this:\t\t\t\tEmail a link to a friend (Opens in new window)\t\t\t\tEmail\t\t\t\t\t\t\tShare on Facebook (Opens in new 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window)\t\t\t\tBluesky\t\t\t"},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"2026","item":"https:\/\/truthgroup.com.au\/2026\/#breadcrumbitem"},{"@type":"ListItem","position":2,"name":"03","item":"https:\/\/truthgroup.com.au\/2026\/\/03\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"27","item":"https:\/\/truthgroup.com.au\/2026\/\/03\/\/27\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"Pre-Approval Explained in 2026: What Banks Don\u2019t Tell You","item":"https:\/\/truthgroup.com.au\/2026\/03\/27\/pre-approval-explained-in-2026-what-banks-dont-tell-you\/#breadcrumbitem"}]}]