PRE-APPROVED HOME LOANS - AUSTRALIA
What is the Pre-Approval Process?
The “pre-approval process” is where the lender/credit provider looks at your income, assets and expenses and, calculates “how much you can borrow”? The lender/credit provider will then give you a “pre-approval letter”, which says that your home loan is conditional upon the property you wish to purchase being acceptable security and, once you submit the following documentation:
• Income, asset and expenses documentation;
• The purchase price contract; and
• The preliminary title information.
Why Should I Get a Pre-Approval?
With the pre-approval you will have the peace of mind knowing that:
• Your income, assets and expenses have already been verified;
• You will have a clear picture of what your borrowing limits are:
• Your home loan request has already been pre-approved and you will know the conditions of your pre-approval;
• You will have enough time to clear up any mistakes or problems you may find in your credit reports;
• You will have the upper hand when negotiating the purchase price of the property you want to buy, with the vendor (seller), real estate agent, etc.
You will find that both the real estate agent and vendor will want to see a pre-approval letter as the letter will prove to them that:
• You are able to make the purchase; and
• You can be taken seriously (i.e. you are a buyer and not just a window shopper).
It is also important to remember, that in a competitive housing market any vendor will prefer a pre-approved buyer to a buyer who is unable to close the deal/sale.
Seek Expert Assistance and Commitment
To help with the pre-approval process you should be prepared to supply your finance broker or credit representative with copies of the following documents:
• Your most recent pay slips (i.e. not less than 30 days old);
• Your Tax Returns for the last 2 years;
• A signed authorization to order your credit report.
Now you have read this article you should have a clear understanding why getting a pre-approved home loan is important.
http://www.singhfinance.com.au is a reputed Australian finance brokerage firm that employs a team of professionally qualified finance brokers who are also home loan experts. They are willing and able to guide you through the home loan process requirements and they will even obtain a pre-approved home loan for you as well as find suitable home and contents insurance for your home. So, if you are looking for a pre-approved home loan contact the firm today and their home loan experts will start working for you. For an obligation-free assessment, call on 0424 190 908 today or visit their website and simply click on the "ENQUIRE ONLINE" form
With the current interest rates being at their lowest in decades, this situation has never made it as easy as now for Australian consumers to get a home loan says Frank Zelasko, Compliance and Risk Audit Specialist and, retired accountant. Frank has worked in the finance industry for over 46 years and one of the best things he has seen is the introduction of the pre-approval process. Know more when you read this article!
Singh Finance - Finance Experts
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