Pre-Approval Preparation Pack

Document checklist

Identity documents
Recent payslips or tax returns (self-employed)
Employment confirmation
Savings and asset statements
Existing debts, credit cards and BNPL accounts listed
Evidence of deposit source, including a gift letter if applicable
Government-programme eligibility documents, if applicable

Credit-report actions

Request your free credit report (available every 3 months)
Review every listed account and enquiry for accuracy
Dispute any incorrect listing directly with the credit reporting body

Broker and lender questions

Broker questions (panel size, how they're paid, why this loan) — see the mortgage brokers guide

Lender questions (revert rate, fees, serviceability assumptions)

Property restrictions to confirm

Property restrictions to confirm once you've found a property (strata rules, zoning, lender property type restrictions)

Expiry and renewal reminder

Pre-approval issue date

Pre-approval expiry date (ask your lender)

Pre-approvals commonly expire after a few months — set your own reminder to check the expiry date with your lender well before it lapses. See the pre-approval guide.

Changes to avoid before formal approval

Changing jobs or becoming self-employed
Taking on new debt or a new credit card/BNPL account
Large or unusual account transactions/spending patterns
Reducing your savings or deposit balance
Becoming a guarantor for someone else's loan
Applying with several lenders at once, generating multiple credit enquiries

Any of these can affect or delay formal (unconditional) approval, even after pre-approval has been issued.

This pack is for your own reference. It is not submitted anywhere, does not guarantee formal approval, and is not a lender's actual document requirements — always confirm exactly what your specific lender or broker needs.

Pre-approval preparation pack