[{"@context":"https:\/\/schema.org\/","@type":"BlogPosting","@id":"https:\/\/truthgroup.com.au\/2026\/08\/15\/home-loan-pre-approval-expire-sydney\/#BlogPosting","mainEntityOfPage":"https:\/\/truthgroup.com.au\/2026\/08\/15\/home-loan-pre-approval-expire-sydney\/","headline":"Can Your Home Loan Pre-Approval Expire? What Sydney Buyers Need to Know","name":"Can Your Home Loan Pre-Approval Expire? What Sydney Buyers Need to Know","description":"Can Your Home Loan Pre-Approval Expire? What Sydney Buyers Need to Know Does Home Loan Pre-Approval Expire? What Sydney Buyers Need to Know in 2026 Watch this video on YouTube. How Long Does Home Loan Pre-Approval Last and What Happens If It Expires? You receive home loan pre-approval, establish your budget and start searching for \u2026 Read: Can Your Home Loan Pre-Approval Expire? What Sydney Buyers Need to Know<\/a>","datePublished":"2026-08-15","dateModified":"2026-08-15","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\/2026\/02\/TRUTH-GROUP-2.png","url":"https:\/\/truthgroup.com.au\/wp-content\/uploads\/2026\/02\/TRUTH-GROUP-2.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/i0.wp.com\/i.ytimg.com\/vi\/nyPa7sqKr80\/0.jpg?resize=640%2C340&ssl=1","url":"https:\/\/i0.wp.com\/i.ytimg.com\/vi\/nyPa7sqKr80\/0.jpg?resize=640%2C340&ssl=1","height":"340","width":"640"},"url":"https:\/\/truthgroup.com.au\/2026\/08\/15\/home-loan-pre-approval-expire-sydney\/","video":{"@context":"http:\/\/schema.org\/","@type":"VideoObject","@id":"https:\/\/www.youtube.com\/watch?v=nyPa7sqKr80#VideoObject","contentUrl":"https:\/\/www.youtube.com\/watch?v=nyPa7sqKr80","name":"Does Home Loan Pre-Approval Expire? What Sydney Buyers Need to Know in 2026","description":"Can your home loan pre-approval expire before you find the right property?\n\nYes. Many Australian home loan pre-approvals are valid for around 90 days or roughly three months, depending on the lender.\n\nIf you\u2019re buying property in Sydney, this is important because your borrowing position may need to be reassessed if your pre-approval expires before you purchase.\n\nIn this video, Nicholas Parpis from Truth Group explains:\n\n\u2022 How long home loan pre-approval can last\n\u2022 What happens when pre-approval expires\n\u2022 Why your borrowing power may change\n\u2022 What lenders may reassess\n\u2022 How interest rates and lender policy can affect your position\n\u2022 Why pre-approval is not final home loan approval\n\u2022 Why the property and bank valuation still matter\n\u2022 What Sydney auction buyers should check before bidding\n\nYour borrowing capacity three months from now may not necessarily be the same as it is today.\n\nChanges to your income, expenses, debts, employment, credit cards, interest rates or lender policy can all potentially affect your home loan assessment.\n\nAnd even if your pre-approval is still current, it does not guarantee unconditional approval.\n\nOnce you find a property, the lender may still need to assess the property, valuation, loan structure and your updated financial circumstances.\n\nBuying at Auction in Sydney?\n\nThis is especially important for Sydney property buyers considering an auction.\n\nIn NSW, residential property purchased at auction generally does not have a cooling-off period.\n\nBefore bidding, make sure your finance position is current, understand your maximum buying budget and complete the appropriate property and contract due diligence.\n\nPlanning to Buy Property in Sydney?\n\nAt Truth Group, I can help you look at both sides of your property purchase.\n\nMortgage Broking\n\n\u2022 Borrowing capacity\n\u2022 Home loan pre-approval\n\u2022 Lender comparison\n\u2022 Loan structure\n\u2022 Serviceability assessment\n\u2022 First home buyer finance\n\u2022 Investor loans\n\u2022 Refinancing\n\nSydney Buyer\u2019s Agent\n\n\u2022 Property search\n\u2022 Property assessment\n\u2022 Comparable sales analysis\n\u2022 Price guidance\n\u2022 Negotiation\n\u2022 Auction bidding\n\u2022 Strata considerations\n\u2022 Buying strategy\n\nLooking at your property strategy and finance together can help reduce the risk of searching within a budget that is no longer supported by your borrowing position.\n\nBook a Free Property and Finance Strategy Call with Truth Group.\n\nTruth Group\n\nBuy Smarter. Borrow Better.\n\n#homebuyers #firsthomebuyers #propertyinvestors #sydneyproperty #greatersydney #westernsydney #southwestsydney #LiverpoolNSW #innerwestsydney #sydneycbd #EasternSuburbsSydney #NorthShoreSydney #northernbeachessydney \n\nGeneral information only. Home loan pre-approval periods, borrowing capacity, lender policies and eligibility requirements vary between lenders and individual circumstances. Lending is subject to lender assessment and approval.","thumbnailUrl":["https:\/\/i.ytimg.com\/vi\/nyPa7sqKr80\/default.jpg","https:\/\/i.ytimg.com\/vi\/nyPa7sqKr80\/mqdefault.jpg","https:\/\/i.ytimg.com\/vi\/nyPa7sqKr80\/hqdefault.jpg","https:\/\/i.ytimg.com\/vi\/nyPa7sqKr80\/sddefault.jpg","https:\/\/i.ytimg.com\/vi\/nyPa7sqKr80\/maxresdefault.jpg"],"uploadDate":"2026-08-15T02:38:57+00:00","duration":"PT1M11S","embedUrl":"https:\/\/www.youtube.com\/embed\/nyPa7sqKr80","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":"Truth Group is a Sydney Buyers Agent and Mortgage Broker helping home buyers, first home buyers and property investors make smarter property decisions.\n\nI\u2019m Niko, a licensed Buyers Agent based in Sydney, helping clients find the right property, negotiate confidently and structure their finance correctly.\n\nOn this channel you\u2019ll discover:\n\n\ud83c\udfe1 Sydney Buyers Agent advice\n\u2022 What properties are really worth\n\u2022 Sydney suburb comparisons\n\u2022 Auction and negotiation strategies\n\u2022 First home buyer tips\n\u2022 Property buying mistakes to avoid\n\n\ud83d\udcb0 Mortgage & Finance Guidance\n\u2022 Home loans and refinancing\n\u2022 Borrowing power strategies\n\u2022 Preparing to buy property\n\u2022 Understanding lender requirements\n\nWe help clients with:\n\u2705 Established homes\n\u2705 House & land packages\n\u2705 Investment properties\n\u2705 Residential & commercial property\n\u2705 Home loan solutions\n\nServing Sydney and Australia-wide.\n\n\ud83d\udccd Hoxton Park, Sydney\n\ud83c\udf10 truthgroup.com.au\n\nSubscribe for weekly Sydney property insights, buyer strategies and finance tips.\n","logo":{"url":"https:\/\/yt3.ggpht.com\/6cfbKmHc32AQQ7Jvy8Uk8-gTgkKgXKQ-ntmPlJQwqFyRcDmR-1UVKvPvSqhmucy6vnM6a5UNSz4=s800-c-k-c0x00ffffff-no-rj","width":800,"height":800,"@type":"ImageObject","@id":"https:\/\/www.youtube.com\/watch?v=nyPa7sqKr80#VideoObject_publisher_logo_ImageObject"}},"potentialAction":{"@type":"SeekToAction","@id":"https:\/\/www.youtube.com\/watch?v=nyPa7sqKr80#VideoObject_potentialAction","target":"https:\/\/www.youtube.com\/watch?v=nyPa7sqKr80&t={seek_to_second_number}","startOffset-input":"required name=seek_to_second_number"}},"about":["Latest Post"],"wordCount":2884,"articleBody":".wp-block-kadence-advancedheading.kt-adv-heading49449_4551c7-f5_0, .wp-block-kadence-advancedheading.kt-adv-heading49449_4551c7-f5_0[data-kb-block=\"kb-adv-heading49449_4551c7-f5_0\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading49449_4551c7-f5_0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading49449_4551c7-f5_0[data-kb-block=\"kb-adv-heading49449_4551c7-f5_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-heading49449_4551c7-f5_0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading49449_4551c7-f5_0[data-kb-block=\"kb-adv-heading49449_4551c7-f5_0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}Can Your Home Loan Pre-Approval Expire? What Sydney Buyers Need to KnowDoes Home Loan Pre-Approval Expire? What Sydney Buyers Need to Know in 2026 Watch this video on YouTube.How Long Does Home Loan Pre-Approval Last and What Happens If It Expires?You receive home loan pre-approval, establish your budget and start searching for property.But three months later, you still haven’t found the right home.Is your pre-approval still valid?Possibly not.Home loan pre-approvals generally have an expiry date, and many Australian lenders currently issue them for around 90 days or three months.For example, CommBank and NAB currently state that their conditional pre-approvals are valid for 90 days, while ANZ says pre-approval generally lasts around three months. Westpac also states that most pre-approvals, including its own, are valid for three months.That means Sydney buyers who spend several months searching for the right property may need to have their finance reassessed before making an offer or bidding at auction.And even while your pre-approval is still within its expiry date, it is important to understand one thing:Pre-approval is not the same as unconditional home loan approval.What Is Home Loan Pre-Approval?Home loan pre-approval, sometimes called:conditional approvalapproval in principleindicative approvalis an indication from a lender that it may be prepared to lend you up to a certain amount based on the information assessed at that time.The lender may consider information such as:your incomeemploymentliving expensesdepositexisting home loanspersonal loanscar financecredit cardsHELP debtdependantscredit historyproposed purchase pricePre-approval can give you a clearer idea of your potential borrowing capacity before you begin seriously searching for property.However, it is generally still subject to conditions.ANZ, for example, makes clear that pre-approval is an indication of how much it may be willing to lend rather than a guarantee, and the eventual property must also be acceptable security to the lender.How Long Does Home Loan Pre-Approval Last?There is no single expiry period that applies to every lender.However, around 90 days or three months is common.As of 2026:CommBankConditional pre-approval is stated as being valid for 90 days.NABNAB states that its conditional approval certificate is valid for 90 days.WestpacWestpac says most pre-approvals are valid for three months, including its own.ANZANZ states that pre-approval generally lasts for around three months, assuming your circumstances do not change.Other lenders may have different policies.The expiry date on your actual pre-approval should always be checked rather than assuming you automatically have 90 days.Why Does Home Loan Pre-Approval Expire?Pre-approval is based on a snapshot of your financial circumstances at a particular point in time.But your financial position can change.So can:interest rateslender credit policiesserviceability calculationsyour incomeyour expensesyour debtsyour employmentyour deposityour credit profileA lender therefore generally cannot rely indefinitely on an assessment completed months earlier.When a pre-approval is renewed, the lender may need to confirm that the information originally provided is still accurate.For example, CommBank’s current renewal process can involve updating income and financial commitments and providing documents to reverify income or debts before the application is resubmitted.What Happens If Your Pre-Approval Expires?An expired pre-approval does not necessarily mean you can no longer borrow.It generally means your borrowing position needs to be reviewed again.Depending on the lender, this could involve:renewing the existing pre-approvalrefreshing financial informationproviding updated payslipsproviding updated bank statementsconfirming current living expensesupdating liabilitiescompleting another serviceability assessmentor submitting a new pre-approval applicationANZ states that if its pre-approval expires before you have signed a contract and you still want pre-approval in place, another pre-approval application is required.Westpac says its approval in principle can generally be renewed at the end of the 90-day period where required, provided the borrower’s financial circumstances have not changed.The exact process therefore depends on the lender.Can Your Borrowing Power Change When Pre-Approval Is Renewed?Yes.This is one of the most important things Sydney buyers need to understand.Your original pre-approval may have indicated that you could borrow:$800,000But three months later, your borrowing capacity could potentially be:higher, lower or approximately the same.Why?Because the lender may reassess your application using your current circumstances and current lending policy.What Could Reduce Your Borrowing Power?Several things could potentially change between your original pre-approval and your reassessment.1. Your Income Has ChangedIf your income falls, your borrowing capacity could also fall.Examples could include:changing jobsreducing working hourslosing regular overtimereceiving lower commissionsmoving from permanent employment to casual employmentstarting a new businesstaking parental leaveYour employment situation is an important part of most home loan assessments.ANZ specifically notes that changes to income, expenses or employment can affect how much a lender may be prepared to lend.2. Your Expenses Have IncreasedYour lender considers the amount of income available after household expenses and financial commitments.If your expenses have increased since the original application, your serviceability position could change.This could include:increased rentchildcare costsinsuranceschool expensessubscriptionstransport costsgeneral household spendingadditional dependantsSmall changes do not automatically mean your borrowing capacity will collapse, but your current expenses form part of the lender’s assessment.3. You Have Taken Out New DebtImagine you receive pre-approval and then finance a new car.That additional monthly commitment may reduce the income available to service your proposed mortgage.The same can apply to:personal loansbuy now, pay later commitmentsadditional credit cardsincreased credit limitsinvestment loansother financial liabilitiesIf you are actively looking to buy property, consider the potential home loan impact before taking on significant new debt.4. Your Credit Card Limits Have ChangedCredit cards can affect borrowing capacity even when the outstanding balance is relatively low or paid off each month.A lender may consider the available credit limit when calculating your commitments.Opening additional credit facilities between pre-approval and purchase may therefore change your serviceability position.5. Interest Rates Have ChangedInterest rates can affect borrowing capacity because lenders assess whether you can afford the proposed debt using a serviceability assessment rate.If rates rise, the assessment rate may also rise.That can potentially reduce borrowing capacity.Conversely, lower rates may improve serviceability for some borrowers, although the final result still depends on the lender’s policy and the applicant’s overall circumstances.This is why a borrowing-capacity result calculated several months ago should not necessarily be treated as permanent.6. Lender Policy Has ChangedEven if your personal circumstances remain exactly the same, lenders can change their policies.For example, a lender may change:how certain income is assessedhow rental income is treatedacceptable debt-to-income levelsserviceability assumptionsproperty restrictionsdocumentation requirementsA pre-approval is therefore based on both your circumstances and the lender’s policies at that point in time.Can Your Borrowing Power Increase When You Renew Pre-Approval?Potentially.Not every reassessment results in a lower borrowing capacity.Your position could improve if, for example:your salary increasedyou repaid a personal loanyou reduced unnecessary credit limitsyou saved a larger depositinterest rates moved loweran existing liability was clearedyour income history became strongerThe new assessment needs to be completed before you know the actual result.Does Pre-Approval Guarantee Final Home Loan Approval?No.This is probably the most important distinction in the entire home-buying process.A pre-approval relates primarily to your financial position and the information available to the lender at that stage.Once you find a property, the lender may still need to assess things such as:the purchase pricethe bank valuationproperty typelocationtitleapartment sizebuilding characteristicsloan-to-value ratioupdated financial informationfinal credit checksany conditions attached to your pre-approvalCommBank, for example, states that after a buyer signs a contract, further checks may include a property valuation, credit checks and building documents before formal approval is provided.NAB similarly notes that final approval can involve the bank valuing the property being purchased.So:Pre-approved borrower does not automatically mean approved property.The Property Can Still Cause a Finance ProblemThis connects directly with another issue Sydney buyers should understand.You may still experience difficulty obtaining final approval if the property itself does not meet lender requirements.Potential examples include:very small apartmentsstudio apartmentsserviced apartmentsunusual titlessignificant building defectsproblematic strata schemesunacceptable security typesproperties with limited resale marketsa bank valuation below the purchase priceThis is why property due diligence and finance should not be treated as completely separate processes.What If the Bank Valuation Is Lower Than the Purchase Price?Pre-approval also does not guarantee that the lender will agree with the price you have negotiated.Imagine you have pre-approval based on a purchase around:$900,000You find a property and agree to pay:$900,000But the bank valuation comes back at:$850,000Depending on your deposit and loan structure, the lower valuation could mean you need to contribute additional money toward the purchase.In some cases, the finance strategy may need to be reconsidered entirely.A pre-approval therefore should not be interpreted as the lender agreeing to whatever price you ultimately negotiate.Sydney Auction Buyers Need to Be Particularly CarefulThis is especially important in Sydney, where many properties are sold at auction.In NSW, there is no cooling-off period when you buy residential property at auction. The successful bidder is expected to sign the contract and pay the deposit, generally on the spot.That means bidding at an auction based on an expired or outdated pre-approval can create significant risk.Before bidding, buyers should ideally have:their pre-approval currenttheir financial circumstances revieweda clear maximum purchase budgetthe contract reviewed by their solicitor or conveyancerappropriate property due diligence completedan understanding of any lender or valuation risksNSW Government guidance warns that a successful auction bidder must be ready to exchange contracts and complete the sale, because auction purchases do not have the normal cooling-off period.What About Buying by Private Treaty in NSW?Residential property purchased by private treaty in NSW generally has a five-business-day cooling-off period, although it can be waived, reduced or extended in certain circumstances.Buyers are sometimes asked to waive the cooling-off period by providing a Section 66W certificate through their solicitor or conveyancer.If you are being asked to waive your cooling-off rights, make sure you understand the consequences and obtain appropriate legal advice before proceeding.The NSW Government specifically recommends seeking advice before waiving the cooling-off period.What If Your Pre-Approval Is About to Expire?Don’t wait until you find the perfect property to discover your pre-approval expired last week.If you’re still actively searching, contact your mortgage broker or lender before the expiry date.Review:Your current incomeYour employmentYour expensesYour credit cardsYour existing loansYour depositAny new liabilitiesYour current borrowing capacityYour lender’s current policyYour pre-approval expiry dateThis gives you an opportunity to identify any changes before making an offer.Should You Apply for Pre-Approval Too Early?Usually, there is little benefit in obtaining pre-approval many months before you are genuinely ready to buy.If the approval lasts around 90 days and you are not planning to purchase for another six months, it may expire before your serious property search even begins.ANZ specifically notes that obtaining pre-approval too early may mean having to repeat the process.There can also be credit-file considerations.Westpac notes that pre-approval applications can be recorded in a borrower’s credit history and warns against making multiple pre-approval applications with different lenders at the same time.The objective should not be to apply to as many banks as possible.The objective is to understand your circumstances, identify appropriate lender options and obtain pre-approval when you are genuinely approaching the buying stage.A Better Timeline for Sydney Property BuyersA practical sequence may look something like this:Step 1: Review Your Borrowing PositionUnderstand your income, debts, deposit and indicative borrowing capacity.Step 2: Establish Your Comfortable Buying BudgetYour maximum borrowing capacity and the amount you personally want to spend do not have to be the same.Step 3: Obtain Pre-ApprovalOnce you are genuinely ready to begin the property search, obtain an appropriate pre-approval where suitable.Step 4: Start SearchingFocus on properties that fit both your financial budget and your purchasing criteria.Step 5: Monitor the Expiry DateIf you approach the 90-day mark without purchasing, review your finance again.Step 6: Reassess Before Making an Offer or BiddingMake sure nothing material has changed.Step 7: Get the Property CheckedReview the contract, property, comparable sales, strata information where relevant and potential lender-security issues.Step 8: Progress to Formal ApprovalOnce the property is secured, provide the required information to the lender so the application can proceed toward unconditional approval.Don’t Let the Pre-Approval Amount Become Your Target PriceThere is another mistake buyers sometimes make.The lender says:\u201cYou may be able to borrow $850,000.\u201dThe buyer immediately thinks:\u201cGreat. I’ll borrow $850,000.\u201dBut maximum borrowing capacity and comfortable borrowing capacity are different things.Your own budget should consider:mortgage repaymentscouncil ratesstrata leviesinsurancemaintenancechildcaretransportlifestyle costsfuture plansemergency savingspossible rate changesPre-approval should help establish a financial boundary.It should not automatically become a target that you need to spend.Has Your Pre-Approval Expired? Don’t PanicIf your home loan pre-approval has expired, it doesn’t automatically mean your property plans are over.You may simply need to have your position reassessed.If your circumstances have remained stable, renewing the approval may be relatively straightforward with some lenders.If your circumstances have changed, the review can give you an updated understanding of what you can realistically borrow before you commit to a property.What you don’t want to do is assume an old approval is still valid and bid or exchange contracts based on outdated information.Buying Property in Sydney?At Truth Group, I can help look at both sides of your purchase.Mortgage BrokerI can assist with:borrowing-capacity assessmenthome loan pre-approvallender comparisonloan structureserviceabilityfirst home buyer financeinvestor lendingrefinancinglender-policy considerationsprogressing from pre-approval toward formal approvalSydney Buyer’s AgentI can also assist with:property searchproperty assessmentcomparable salesprice analysisnegotiationauction biddingstrata considerationspurchasing strategyLooking at the property and the finance together can help you avoid spending months searching within a budget that is no longer supported by your current borrowing position.Buy Smarter. Borrow Better.Planning to buy a home or investment property in Sydney?Book a Free Property & Finance Strategy Call with Truth Group.Frequently Asked QuestionsCan home loan pre-approval expire?Yes. Home loan pre-approvals generally have an expiry date. Around 90 days or three months is common among major Australian lenders, although the exact period varies by lender.How long does mortgage pre-approval last in Australia?Many lenders use approximately 90 days or three months, but you should check the expiry date and conditions provided by your individual lender.What happens when my pre-approval expires?You may need to renew, refresh or reapply. The lender may request updated information about your income, expenses and financial commitments before issuing another pre-approval.Will my borrowing power stay the same when I renew?Not necessarily. Changes in your income, expenses, debts, interest rates, employment or lender policy could potentially change your borrowing capacity.Can my borrowing power increase after my pre-approval expires?Potentially. For example, your position may improve if your income increases, you repay debts, increase your deposit or other parts of your financial circumstances improve. The lender must reassess your current circumstances.Can I make an offer with expired pre-approval?You can make an offer, but relying on outdated borrowing information creates additional finance risk. Before committing to a purchase, it is sensible to have your current finance position reviewed and obtain legal advice regarding the contract conditions.Does pre-approval mean my home loan is guaranteed?No. Pre-approval is generally conditional. The lender may still need to assess the property, valuation and your updated circumstances before providing formal or unconditional approval.Can a property be rejected even if I’m pre-approved?Yes. A lender still needs to be comfortable with the property being offered as security. Property type, valuation, location and other security issues can affect final approval.Can I bid at auction with pre-approval?Pre-approval can form part of preparing to bid, but it is not a guarantee of final finance approval. This is particularly important in NSW because auction purchases have no cooling-off period.Should I renew my pre-approval before it expires?If you are still actively searching and the expiry date is approaching, speak with your mortgage broker or lender early so you understand what is required to maintain an up-to-date borrowing position.General information only. This article does not constitute personal financial, credit or legal advice. Home loan policies, pre-approval periods, serviceability requirements and eligibility criteria vary between lenders and can change. All lending is subject to lender assessment and approval. Obtain independent legal advice before signing or exchanging a property contract."},{"@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":"08","item":"https:\/\/truthgroup.com.au\/2026\/\/08\/#breadcrumbitem"},{"@type":"ListItem","position":3,"name":"15","item":"https:\/\/truthgroup.com.au\/2026\/\/08\/\/15\/#breadcrumbitem"},{"@type":"ListItem","position":4,"name":"Can Your Home Loan Pre-Approval Expire? What Sydney Buyers Need to Know","item":"https:\/\/truthgroup.com.au\/2026\/08\/15\/home-loan-pre-approval-expire-sydney\/#breadcrumbitem"}]}]