Pre-Approval Guidance

Prepare for your property search with a clearer budget, an organised application and an understanding of approval conditions.

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Know what has been assessed

Pre-approval can help you plan your search, but it is conditional and does not guarantee funding for a particular property. Bradley helps you understand the assessment, the expiry date and what still needs to happen.

  • Prepare the evidence: We help organise the documents needed to explain your income, spending, savings and debts.
  • Understand conditions: Check the lender’s written conditions and how the property will be assessed before relying on the approval.
  • Keep information current: Tell us about employment, income or debt changes during your search so the lender can assess their effect.

How we can help

  1. Discuss a realistic purchase budget and obtain a tailored document list.
  2. Review suitable lenders and decide whether to lodge a pre-approval application.
  3. Read the conditions together, track expiry and update the application when you find a property.

Before you make an offer

Ask whether your income and documents have been assessed or whether the result is only an initial indication. Get the conditions and expiry in writing. A lender may still need a satisfactory valuation, acceptable property details and current financial information.

Tell us about the proposed finance and settlement dates. Ask your solicitor or conveyancer to review the contract and any finance condition before signing or bidding; pre-approval cannot remove the contractual risk of an unconditional purchase.

Buying off the plan can involve a long gap before settlement. A pre-approval now does not lock in a future valuation or lending decision. Queensland’s off-the-plan guide explains the additional risks.

Common questions

Can I bid at auction with pre-approval?

Pre-approval is conditional. Confirm the lender’s outstanding requirements and obtain legal advice about the auction contract before bidding.

How long will my approval last?

Validity and renewal requirements vary by lender. Check the expiry on the written approval and allow time for updated documents and reassessment.

Read the pre-approval preparation checklist · Explore calculator estimates

Further reading

Information updated 9 September 2026. Eligibility and lender policies can change. The linked sources explain the relevant criteria; they are not a confirmation of your eligibility or our lender access.

Discuss your next step

Tell Bradley about your plans and the questions you would like to cover. We will respond to arrange a conversation.

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