1.Should I have finance pre-approved prior to making an offer?

It is best if you have pre-approval on your home loan before you start negotiating a price on a property. Pre-approval provides an excellent guide to how much you can afford to spend, so you know how high you can go with your offers. This gives you a better chance of securing the property you want.

Most lenders offer home loan pre-approval which usually lasts three months. Where finance is required, all purchases are subject to formal approval of finance.

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