Need a home loan pre-approval? Cube can help
If you're looking for a home loan pre-approval, we can help you get the best rates, terms and do the paperwork.
Or simply call us on 📞 1800 774 756
Your local team of home loan pre-approval specialists
1. Expert brokers on your side
Banks knock back home loan applications every day - often for reasons that could’ve been avoided. At Cube, you’ve got a team of 11 expert brokers on your side, each with their own area of specialty across home loans, investment lending, business finance and more. We’ll help you cut through the red tape and improve your changes of approval.
2. Tailored to your needs
Every loan is different, and what someone else needs is likely not what you need. We search 1000's of loan options to find the right loan for your needs, simply get in touch here.
3. We're here now, and later
Your home loan is an investment that requires ongoing maintenance, including regular check-ups to make sure you have the best home loan rates. We stay ahead of this for you.
4. Local experts, trusted by many
We’re proud to be a local team, with over 200 glowing Google reviews from people who’ve trusted us with their finance journey.
We help our home loan pre-approval clients by helping remove the stress - and helping you get a better deal. Simply contact Scott or Nevada today if you need help:
Scott Beattie
Founder/Co-Owner · Mortgage Broker
Scott loves helping First Home Buyers and helpings Australians save money through refinancin
Nevada Matthews
Co-Owner · Mortgage Broker
Nevada loves working with property investors and business owners
We compare loan options from over 60 leading lenders to find what suits you
✔ We do the loan rate shopping and negotiations
✔ Access to major banks and specialist lenders
✔ We simplify everything
Cube Loans are a multi-award winning brokerage
What is home loan pre-approval and why is it important?
Home loan pre-approval (also known as conditional approval) is an indication from a lender of how much you can potentially borrow, based on your financial situation. While not a guarantee of final approval, it helps you understand your borrowing capacity and demonstrates to real estate agents and sellers that you're a serious buyer.
At Cube Loans, we help streamline this process, giving you the confidence to shop for your dream home within a realistic budget.
How long does a home loan pre-approval last?
Most home loan pre-approvals are valid for 60 to 90 days, depending on the lender. If you haven't purchased a property within that time frame, the pre-approval may need to be renewed, which can involve resubmitting updated financial information.
Cube Loans can help monitor expiry dates and manage extensions if needed, keeping your home buying journey on track.
Does getting pre-approved affect my credit score?
Yes, in most cases, lenders will conduct a credit check as part of the pre-approval process. This can result in a small, temporary impact on your credit score.
However, when done strategically, such as working with an expert broker like Cube Loans who compares options on your behalf—the effect is minimal, and the long-term benefit of securing the right home loan often outweighs this.
What documents do I need for a home loan pre-approval?
To apply for pre-approval, you typically need to provide:
- Proof of identity
- Recent payslips or income statements
- Details of current assets and liabilities
- Bank statements
- Information on living expenses
At Cube Loans, we simplify this process by guiding you through every document required, ensuring your application is complete and has the best chance of success.