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Lending Process

How loans move from enquiry through to settlement, including timelines, stages, and what happens behind the scenes at each step.

Serviceability & Borrowing Power

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What a Pre-Approval Actually Tells You Before You Sign a Contract

Apr 15, 2026

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3 min read

What a Pre-Approval Actually Tells You Before You Sign a Contract

A pre-approval gives a borrowing figure — but the assumptions behind it can shift. Here's what first home buyers should understand about how pre-approvals work before signing a contract of sale.

Josh Stewart
Josh Stewart

Lending Notes

Practical notes from Value Lending on how lending decisions are made, how loans are assessed, and what to expect as conditions change.

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