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Category: pre-approval

How to Get Pre-Approved for a Home Loan

Aug 23, 2026

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Penny

buying a home alone, conditional approval home loan, Do I need pre-approval?, first home buyer pre-approval, how long does pre-approval last, how to get pre-approved for a home loan, how to prepare to buy a home Australia, pre-approval, single buyers, single income home loan Australia, what is pre-approval?

You may have heard that one of the most important things you need to get before you start seriously looking at properties is pre-approval. It is when you apply to a lender to find out how much you could be approved to borrow for a home loan. The lender looks at your finances and agrees,…
Is the Australian property market speeding up or slowing down? Both can be true.

May 10, 2026

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Penny

Australian property market, Deposit, first home buyer, housing affordability, Interest Rates, pre-approval

If you’ve been following the Australian property market lately, you’re probably feeling the whiplash. One day it’s “first home buyer schemes are pushing up house prices.” The next it’s “the property market is softening.” Then it’s “Australia is heading for a downturn,” followed by reports that prices are already falling in some suburbs. On top…
Home loan pre-approvals are up across Australia. What that means if you’re trying to buy right now

Nov 9, 2025

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Penny

Australian property market, first home buyer, First Home Buyer Guarantee, Home loan pre-approval, How to buy your first home, Interest Rates, pre-approval

Pre-approvals are surging. Here’s how to make sure you’re actually ready. Alternative SEO titles: Tags: home loan pre-approval Australia, first home buyer loans 2026, First Home Guarantee scheme Australia, buying first home Australia 2026, mortgage pre-approval tips Australia Keywords: home loan pre-approval Australia 2026, first home buyer pre-approval, how long does pre-approval last Australia, first…

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Penny acknowledges the Traditional Owners of Country throughout Australia and recognises their continuing connection to land, water and community. We pay our respects to Elders both past and present.

Penny LLC Pty Ltd’s home loans services are provided by outsource Financial Pty Ltd (ACN 131 090 705) and No Fuss Home Loans (ABN 54 268 776 055) which provide mortgage lending services to consumers under their Australian Credit Licence Number 384 324 and Australian Credit Licence 490262, respectively.

Penny LLC Pty Ltd’s buyer’s agency service is provided by Go For your Life P/L t/a Your Empire (ABN 89 107 756 9) which provides property buying services to consumers.

Penny LLC Pty Ltd’s financial advice referral service is provided by Advice of Life Pty Ltd (ABN 12 687 992 463) and Wealth of Advice Pty Ltd (ABN 99 153 118 533), which are authorised representatives of Bluewater Financial Advisors Pty Ltd AFSL 411846 (ABN 99 153 118 533)

As part of the referral process, legislation requires us to obtain your consent to your name and contact details being provided to outsource Financial Pty Ltd, No Fuss Home Loans, Your Empire and Advice of Life. We will pass your information on to outsource Financial and No Fuss Home Loans within 5 business days. Your full financial situation will need to be reviewed prior to acceptance of any offer or product. Penny LLC Pty Ltd receives a commission for making these referrals.

Category: pre-approval

How to Get Pre-Approved for a Home Loan

Is the Australian property market speeding up or slowing down? Both can be true.

Home loan pre-approvals are up across Australia. What that means if you’re trying to buy right now