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You have your loan pre-approval, does that mean it's a done deal?

Usually, the answer is yes assuming your circumstances don't change for the worse between your approval and settlement of your loan.

There are still things to be aware of in this period.  Don't change your job or take on any further debt or liabilities before discussing this with your broker as this could mean that your loan is no longer affordable in the eyes of the lender.  If your circumstances change, you are obliged to disclose this, and this could affect your loan approval.

Other things to consider are the type of property that you are looking to purchase? For various reasons, lenders will not lend on all properties.
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Friday, 14 May 2021

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