Every real estate agent will tell you the same thing: “Get pre-approved before you start house hunting.” And in today’s market, it’s more important than ever to plan ahead—pre-approval gives you the best chance of submitting a strong, competitive offer!
Here’s what you’ll typically need to get a pre-approval from a trusted lender:
➡️ Proof of income – Payslips or tax returns so the lender can work out how much you can afford.
➡️ Proof of employment – Confirms you have a stable income to meet mortgage repayments.
➡️ Credit history – Lenders will assess your credit report; higher scores generally improve your borrowing options.
➡️ Proof of savings / deposit – Bank statements to show you have funds for your deposit and upfront costs.
➡️ Proof of assets – Only needed if you own property or other significant assets.
Just starting your home-buying journey? Drop a DM and we can walk through the process together!