Our AI checks your financials against 22 Australian lenders and tells you exactly where you stand — before you apply, before you bid, before you commit.
What you get in 60 seconds
Estimated borrowing power across 22 lenders
Which lenders are most likely to approve you
Your indicative interest rate range
LVR calculation and LMI status
Upfront cost estimate including stamp duty
No credit check — zero impact on your score
Pre-qualification vs Pre-approval
Feature
Pre-Qual (Us)
Formal Pre-Approval
Credit check
✓ No
✗ Yes
Time to complete
60 seconds
3–5 days
Documents needed
None required
Payslips, statements
Cost
Free
Free–$600
Accepted by agents
As guidance
Yes (conditional)
Best used for
Understanding your position
Making offers on property
How it works
1
Tell Finley your situation
Income, deposit, expenses. Takes about 60 seconds. No forms, just a conversation.
2
AI checks 22 lenders instantly
Finley applies HEM benchmarks, the APRA 3% buffer, and each lender's policy to your numbers.
3
See your results
Borrowing power, which lenders qualify you, best rates available for your profile.
4
Get matched with a broker (optional)
If you want formal pre-approval, we connect you with an accredited AU broker who handles everything — free.
Documents you'll need for formal pre-approval
2 most recent payslips (PAYG) or 2 years tax returns (self-employed)
3 months bank statements (all accounts)
Proof of deposit — savings statements or gift letter
Details of existing debts — credit cards, personal loans, car loans
Photo ID — passport or driver's licence
If refinancing: current loan statement and property valuation
Frequently asked questions
Does getting pre-approval guarantee I'll get the loan?
No. Pre-approval is conditional — it means the lender is willing to lend subject to the property being acceptable (valuation, title, zoning) and your financial situation not changing. Full approval happens after you find a property and the lender completes their checks.
Should I get pre-approval before making an offer?
Yes. Pre-approval lets you bid at auction or make offers with confidence. Real estate agents and vendors take pre-approved buyers more seriously. In competitive markets it can be the difference between winning and missing out.
Can I get pre-approval with a small deposit?
Yes. With a 5% deposit you can access the First Home Guarantee (government-backed, no LMI). With 10–19% deposit you can still get pre-approved but will pay LMI. The First Home Owner Grant and stamp duty concessions can help bridge the gap.
How many lenders should I apply to for pre-approval?
We recommend 1–2 at most. Each formal pre-approval application creates a hard credit inquiry. Multiple inquiries in a short period can negatively affect your credit score and some lenders view it unfavourably. Use our free AI pre-qualification to find your best lender first, then make one targeted application.
Start your free pre-qualification now
No credit check. No paperwork. Just tell Finley your situation and get your answer in 60 seconds.