Get Home Loan and Mortgage Pre-Approval
What is a Pre-Approved Home Loan?
Getting mortgage pre-approval is an important part of the home buying process. It's a complex lending environment out there especially if your deposit is less than 20%. Each bank will have different rules on how much they will lend you and with what conditions. Your own bank may not be the best fit for you.
Wellington Mortgage Brokers will gather your information and obtain at least one written approval so you know exactly what your budget is within what parameters. This helps you house hunt with more purpose.
What Do I Need to Get a Mortgage Pre-Approval?
We will send you the relevant forms and checklist and can sit down and go through it all with you. We may need more information if we are using Welcome Home Loans.
Normally we need your last 3 months bank statements on your day to day accounts, proof of deposit including last 3 months savings account statement, proof of KiwiSaver withdrawal amount available, proof of ID and last 3 payslips. If self employed, then last 2 years financials are required.
How Long is the Approval Valid For?
Normally 2-6 months depending on your deposit size. Each bank can vary on how long its valid for.
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