Services — Pre-Approvals

Show up to auction knowing exactly what you can spend.

Don't fall in love with a property you can't afford — or miss out because your finance isn't sorted. Get pre-approved first and shop with real confidence.

24-48hr turnaround
Auction ready
Know your limit
30+ lenders
Services — Pre-Approvals

Get started today

Fill in your details and we'll be in touch to discuss your options.

What's included
  • 24-48hr turnaround
  • Auction ready
  • Know your limit
  • 30+ lenders
Key things to know
Know your actual budgetPre-approval tells you exactly how much you can borrow — so you can search for properties in your real price range, not a guess. No more falling in love with something you can't afford.
Stronger position at auctionAt auction, unconditional offers win. With pre-approval in hand, you're effectively a cash buyer — which gives you a negotiating advantage and lets you bid confidently without a finance condition.
Faster formal approval when you find the right placeWhen you find the property and make an offer, the full approval process is much faster because the hard work is already done. Less stress, faster settlement.

Make an enquiry

Fill in your details and we'll be in touch to discuss your options.

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What we do for you

Why pre-approval
changes everything

01

Know your actual budget

Pre-approval tells you exactly how much you can borrow — so you can search for properties in your real price range, not a guess. No more falling in love with something you can't afford.

02

Stronger position at auction

At auction, unconditional offers win. With pre-approval in hand, you're effectively a cash buyer — which gives you a negotiating advantage and lets you bid confidently without a finance condition.

03

Faster formal approval when you find the right place

When you find the property and make an offer, the full approval process is much faster because the hard work is already done. Less stress, faster settlement.

04

We get you pre-approved quickly

We can often have pre-approval sorted within 24–48 hours once we have your documents. You don't need to waste weeks waiting before you start looking.

05

Valid for up to 90 days

Most pre-approvals last 90 days. If you haven't found the right property in that time, we simply renew it. You stay in a position of readiness throughout your search.

06

Understand what sellers see

A pre-approval letter shows sellers and agents you're a serious buyer — not just browsing. It often puts you at the front of the queue in private sales and negotiations.

How it works

Simple steps,
real results

01

Tell us your situation

Fill in the form or give us a call. No paperwork yet — just a quick chat about where you're at and what you're trying to achieve.

02

We find your options

We compare 30+ lenders and come back with the best options for your situation — not just the best commission for us.

03

We handle everything

Once you're happy we submit your application and manage the entire process — documents, lender communication, everything.

04

You get the result

We stay in touch after the deal is done to make sure everything keeps working hard for you.

Common questions

Pre-Approvals FAQs

What's the difference between pre-approval and formal approval?
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Pre-approval is a conditional indication of how much you can borrow — based on your financial situation, subject to finding a suitable property. Formal approval is issued after the lender assesses the specific property you want to buy. Pre-approval gets you ready to buy; formal approval gets the deal done.
Does pre-approval guarantee I'll get the loan?
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How long does pre-approval take?
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Can I make an offer without pre-approval?
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Ready to get started?

No pressure, no obligation. Give us a call or fill in the form above and we'll walk you through your options.

0403 172 610 info@kickfinance.com.au Book a call
Home Loan Pre-Approval Sydney | Get Auction Ready | Kick Finance