How to Get Pre-Approval (Without Losing Your Mind)

If you’ve ever tried to get a home loan pre-approval and felt like you were applying to join ASIO — you’re not alone.

At Nude Home Loans, we’ve helped hundreds of first home buyers get pre-approved without the chaos — and actually enjoy the process.

Here’s how pre-approval works, why it matters, and how to do it without the stress sweats.

📝 What Is Pre-Approval (And Why Should You Care)?

Pre-approval is when a lender says:

“Based on your income, debts, and deposit — we’re happy to lend you $X, assuming everything checks out.”

It’s not a 100% guarantee, but it gives you a solid green light to:

• Make offers with confidence

• Set a real budget

• Move fast when you find the one

Without it? You’re just browsing.

🤢 What You’ll Need to Get Started

Every lender is different, but most will ask for:

• 2–3 months of payslips

• Recent bank statements (showing savings + spending)

• Photo ID

• Details of any debts (credit cards, car loans, Afterpay)

• Evidence of your deposit (savings, FHSSS, gift, etc.)

Bonus: If you’re using a grant or scheme (like First Home Guarantee), we’ll help prep those too.

✅ Step-by-Step: The Pre-Approval Process

1. Chat with Nude (15–30 mins)

We ask the right questions and get to know your goals — not just your numbers.

2. Send Your Docs Once

We collect everything upfront and double-check it before it goes to the lender.

3. We Compare 30+ Lenders

Some move faster than others. We’ll pick the one that suits your timeline and strategy.

4. Submit + Follow Up

We package and lodge the application, then chase the lender for updates — so you don’t have to.

5. You Get Pre-Approval

Once approved, you’ll get a letter from the lender with your limit and conditions.

Boom. You’re ready to house hunt.

🌟 How Long Does It Take?

With Nude: 1–3 business days (for most lenders) With banks directly? Could be 1–2 weeks… if you’re lucky.

Speed depends on how quickly you send docs and how clean your financials are — but we keep things moving at every step.

🤝 What Can Delay Pre-Approval?

• Missing payslips or unclear income (especially for casual or self-employed)

• Debts you forgot to mention

• Trying to DIY through a bank’s online portal (it’s not fun)

We help you avoid every common delay — and smooth out the bumps if anything pops up.

🏡 Real Example: James & Ella in Melbourne

• Had $35k saved but weren’t sure what they could afford

• Thought they’d need 2–3 weeks to sort finance

We:

• Got their docs sorted in a day

• Matched them to a lender who approved them in 48 hours

• Helped them make a winning offer on their dream unit the same weekend

Their words:

“We thought it would be a nightmare. Nude made it so easy.”

✅ Let’s Get You Pre-Approved (The Easy Way)

We’ll:

• Check your numbers

• Help you gather what you need

• Recommend a lender that suits your timeline + goals

• Handle the paperwork, follow-ups, and fine print

👉 [Book your free pre-approval call with Nude Home Loans]

You focus on finding your place. We’ll focus on getting you the “yes.”