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Try our indicative pre-approval home loan tool
With an indicative pre-approval from Liberty, you can get a clearer view of your borrowing power when searching for a home.
Instant answer
Fast and simple
Personalised interest rate
Why get pre-approval?
By securing pre-approval when house hunting, you can make the process easier:
A clear spending limit helps narrow down your property search.
When the time comes, you’ll be ready to make a serious offer.
It could give you greater leverage to negotiate with a seller.
It provides peace of mind so you can move ahead with confidence.
Ready to get moving?
Wherever you are in your journey, help is here however you need it.
Find my perfect home loan
Want to find a free-thinking loan that suits your needs? Our online loan-finder tool can point you in the right direction.
Compare all home loans
At Liberty, we have a range of home loans to help more free thinkers like you get financial and into a new home.
Contact a trusted adviser
Your local Liberty Adviser will be able to look at your financial situation and help you decide the best way forward.
Frequently asked questions
Indicative pre-approval is provided by a lender as an estimate of your borrowing power based on your current circumstances. While pre-approval doesn’t guarantee full approval of a home loan application, the process can provide some peace of mind and help give you an idea of what you might be able to afford. Once you've found a property, you'll need to complete a full home loan application which requires final unconditional lender approval before you can proceed with the purchase.
Seeking this type of home loan pre-approval before you start browsing for properties is a smart first step. When you are ready to move ahead, you can begin the home loan application process to seek conditional approval with a realistic idea of what you might be able to borrow.
Borrowing power is the term used to describe how much you can borrow based on your financial situation. When it comes to home loans, having more borrowing power means more options and often a higher loan amount. Liberty’s indicative pre-approval tool calculates your potential borrowing power along with your indicative interest rate and estimated home loan repayments in just minutes.
A home loan repayments calculator is a basic tool that gives you an idea of what you could be looking to repay on a mortgage over the life of the loan. With Liberty’s indicative pre-approval tool, you’ll receive a more realistic instant estimate of what your home loan repayments might be based on the quoted interest rate and amount you would like to borrow, tailored to your circumstances.