Home Loan Preapproval| Peregian Springs, Coolum, Mount Coolum

 

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Trust us, whether you’re a first home buyer or next home buyer, having a pre-approval makes the home buying process so much easier and here’s why:

 

1. By having a fully assessed pre-approval you know how much you can borrow, which means you know the maximum purchase price you can go to, so you will be looking at the right properties for your price point.
2. You’re a more attractive buyer to the real estate agent and the vendor.   Submitting an offer noting that you have a fully assessed preapproval can put you ahead of others at it shows the seller that you're a serious buyer who has already undergone the assessment process.  
3. It's guaranteed to make the home-buying process less stressful.  Doing the legwork before house hunting means that when you do find a property its so much easier and quicker to move to formal approval. 

 

Ultimately all everyone is looking for in the home-buying process is certainty.

You want certainty that you can borrow the money and the vendor and agent want certainty that they are selecting the right buyer so that when the property goes under contract the finance will move to unconditional and wont fall over.  A fully assessed pre-approval gives certainty to all parties in the transaction.

 

Why it’s essential you have a pre-approval before you sell your home.

There is nothing more devastating than selling your home only to find out that you cant borrow what you need for your next purchase.  Market changes such as interest rates and lending policy affect how much you can borrow at any given time.  Just because you got the loan before and have been repaying it no issues, there is no guarantee you’ll qualify for the funding you’ll need to buy again.

At the very least, speak to us to crunch the numbers and our advice is to always get pre-approved before you list your home for sale.  

The key takeaway here is knowing what you can borrow for your next purchase which, in turn, allows you to set the minimum offer you can accept for the sale of your home to make the next move. Ideally, you will sell for much more!  But knowing your numbers means you know the lowest sale price to be able to make the move.

 

We can give you good feedback on how that next purchase looks for you.

We can help you get a fully assessed preapproval and give you a competitive edge in the home-buying process.

Keen to know your borrowing potential and gain preapproval for your dream home? Fill out our Snapshot form and our team will get back to you to discuss your options. 

 

BOOK YOUR APPOINTMENT NOW

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Mortgage Broker Peregian Beach

 

_{At Mortgage Choice Peregian and Noosaville, we can help with Peregian Home Loans, Peregian Springs Home Loans, Coolum Home Loans, Yaroomba Home Loans, Mt Coolum Home Loans, Doonan Home Loans, Marcoola Home Loans & Eumundi Home Loans, Cooroy Home Loans, Cooran Home Loans, and Sunshine Coast Home Loans. You pick your dream home and we can do the rest.}