How to get prequalified
Our prequalification process is online, easy, and requires no credit check. All you need to do is answer a few quick questions about yourself and your financial situation, and you’ll get an instant response.
You’ll know an estimate of your borrowing costs, including stamp duty and Lenders Mortgage Insurance (LMI). We’ll also tell you if you’re eligible for government home buying grants available in your state.
To be eligible to prequalify for a home loan, you must be:
- 18 years old or over
- Employed full time, part time or self employed
- Looking to borrow a minimum of $50,000
- Seeking a loan to purchase or refinance a residential property or construct a dwelling
- An Australian or New Zealand citizen or permanent resident
What to I need?
To prequalify, you don’t to submit any documents.
However, we do need some general details to give you an estimate, including:
Your name and contact details
Details of your income, expenses and liabilities
Details of the property you’ve found, or the type of property you want to buy
To prequalify for a loan with us, all you need to do is complete our easy online application form, which takes less than five minutes. Your details will be quickly assessed, and you'll be notified if you prequalify and your borrowing potential.
Settle & save
Our innovative online process gets you to settlement quickly, so you can start saving thousands sooner.
Read some of our real good feedback.
Our Google Rating
19 Nov 2023
Great customer service, thanks Ray!„
14 Nov 2023
Ray was simply amazing! He took on my crazy timing request and helped drive the process to conclusion. Took some of the stress out of purchasing a property!„
Please note prequalification does not guarantee loan approval with loans.com.au. Prequalification gives you an estimation of your potential borrowing capacity for a loan and is based on the details provided on the application form. To get a realistic estimation, ensure you enter all required information and details correctly.