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    Freephone: 0800 226 226

    Mortgage Express Head Office
    PO Box 9268, Newmarket,
    Auckland 1149.
    Phone: +64 (09) 522 6589
    Fax: +64 (09) 522 8610

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    Pre-approval Process


    A pre-approval allows you to apply for a loan and have the lender make an initial assessment of your financial position before you have found a specific property that you intend to purchase. The lender will consider most aspects of your application including your income, equity, savings history, employment status and credit history.


    The biggest advantage of a pre-approval is that you have the confidence and you are more aware of your lending position when negotiating through the purchase process. It also means that the ball is already rolling so you are more likely to meet a shorter settlement time and have less stress through the approval process. The application process is straightforward and requires only a few simple forms to be completed. Arranging a pre-approval saves you time and allows you to focus on purchasing the property that meets your needs. Talk to your Mortgage Express Adviser to arrange a pre-approval.