Home loan pre approval
Quantum Finance arranges home loan pre-approval in Perth: we assess your income, deposit and debts against lender policy, submit the file to a lender whose policy fits, and give you a ceiling to bid under.
- A lender's conditional agreement to lend a set amount, in writing.
- A ceiling to bid under, instead of a figure you worked out yourself.
- Your file assessed against lender policy before anything is submitted.
- Expiry tracked, and the extension handled if you are still looking.
- Years broking
- 21+Years broking
- Loans settled
- $1B+Loans settled
- Credit licence
- ACL 389083Credit licence
- Lenders compared
- 40+Lenders compared
Our awards and recognition
Awarded by the people who see every broker’s numbers
Diamond Club
2026
Money Quest Group
Diamond Club
2025
Money Quest Group
Diamond Club
2024
Money Quest Group
Mortgage Broker of the Year
2023/24 — National, highest dollar volume settled
Southern Cross Broker Network
Excellence in Finance, Gold
2021
PLAN Australia
Excellence in Finance, Gold
2020
PLAN Australia
Hall of Fame
Valued partner, 15 years
PLAN Australia
Elite Broker
2021
Broker Value Proposition
Premium Broker
ANZ
Individual Excellence Award
2016
Specialist Finance Group
Sales Excellence Award
PLAN Australia
Sales Master Award
PLAN Australia
Top 100 Brokers
Four times
Australian Broker
What our pre-approval service does
The work we do to get a pre-approval issuedHome loan pre-approval is a lender's conditional agreement to lend you a set amount, based on the documents you have supplied. Getting one issued is a process rather than a form, and this is what it consists of.
Most residential loans are paid for by the lender through commission rather than by you. Where a fee would apply, we tell you before you apply, in writing.
A pre-approval is only as good as the assessment behind it. One submitted to a lender whose policy does not fit your income is a decline on your credit file rather than a ceiling in your pocket.
We work out the real ceiling before anything is submitted
Lenders assess you at a rate above the one you will pay, and they count bonus, overtime, commission and rental income differently from each other. We run your position across the panel first, so the number you take to a home open is one a lender will stand behind.
We assemble the document set the lender will actually ask for
A pre-approval application needs identification, income evidence, living expenses with statements, every existing debt including cards and buy-now-pay-later, and evidence of your deposit and where it came from. Missing documents are the single most common cause of a stalled assessment.
We choose the lender before we choose the product
Two lenders can quote a similar rate and treat the same casual income, the same recent job change or the same credit card limit completely differently. Pre-approval is where that difference first shows up, so lender selection happens before anything goes in.
We protect your credit file
Applications fired off to see what sticks are what damage a credit file, because multiple declines in a short window are visible to every lender that looks afterwards. We assess against policy before submitting, so one considered application goes to one lender.
We read the conditions on the approval, not just the number
A conditional approval carries conditions, and they matter: a valuation that has to come in, a debt that has to be closed, an employment probation that has to end. We go through what is still outstanding so nothing surfaces the week before settlement.
We track the expiry and handle the extension
Pre-approvals carry an expiry that varies by lender, and Perth buyers regularly search for longer than one lasts. We diarise yours and organise the extension or the re-submission rather than leaving you to discover it has lapsed mid-offer.
Work out your numbers before you apply
Two figures worth having before a pre-approval goes inWhat a lender is likely to lend, and what that amount repays at. Two lenders can produce borrowing figures tens of thousands of dollars apart on identical inputs, because that gap is policy rather than marketing, and a pre-approval is where the gap becomes real.
Work out what you could borrow
What actually lands in your accounts. Include a partner if you are buying together.
Groceries, fuel, insurance, childcare, subscriptions. Lenders apply a minimum benchmark, so a low figure here will not be taken at face value.
Car, personal, HECS, existing mortgages.
The limit, not the balance.
Lenders count between 2.5% and 3.8% of every card limit as a repayment, whether you owe anything or not.
An example figure to change, not a rate on offer.
Lenders test you at a rate above the one you pay. Three percentage points is the level APRA expects, so you are being assessed at 9.00%.
Used only for the price guide below.
You could borrow around
$684,000
Based on $5,500 a month left over, assessed at 9.00%.
- Monthly surplus a lender would seeIncome less expenses, commitments and card limits.
- $5,500
- Card limits counted as a repayment3.8% of $0 a month.
- $0
- Assessment rate used6.00% plus a 3.00% buffer.
- 9.00%
- Repayment at the loan rateWhat you would actually pay each month, not the tested figure.
- $4,098
- Rough price guide with your depositStamp duty and fees come out of the deposit, so the real figure is lower.
- $804,000
This is an estimate, not a pre-approval. Every lender counts income, expenses and commitments differently, and the spread between the most and least generous on the panel is often more than $150,000 on the same file. Lending is subject to approval.
Get a real numberWork out your repayments
What you need to borrow, not the purchase price.
An example figure. Put your own rate in — we do not quote rates here.
Estimated monthly repayment
$3,597.30
- Total interest over the term
- $695,029
- Total repaid
- $1,295,029
- Repayment if the rate rose to 8.00%Roughly the buffer a lender applies when it assesses you.
- $4,402.59
This is an estimate. It assumes the rate stays where you put it for the whole term and it does not include fees, lenders mortgage insurance, offset balances or extra repayments. Your real repayment depends on the lender and on approval.
Book a 15-min chatEach tool has a page of its own explaining every figure it uses: borrowing power calculator and home loan repayment calculator.
Who pre-approval suits
The buyers we get pre-approvedPre-approval is worth having before you start looking rather than after you have found something. These are the situations where it matters most.
Buyers about to start attending home opens across the Perth metro area
First home buyers who want a ceiling before they fall in love with a house
Bidders at auction, where there is no cooling-off period and no finance clause
Upgraders who need to know their position before they list their current home
Self-employed buyers whose income takes longer for a lender to assess
Anyone whose previous pre-approval has expired while they were still looking
How the process works
Five steps, and pre-approval is the secondPre-approval sits between the first conversation and the property you eventually buy. Here is the whole process it belongs to, start to finish, with no surprises kept back for later.
Start an application
You send us the basics and we work out what you could borrow and which lenders will look favourably at your situation.
Read this step in full: Start an applicationWhat you need
Income, debts, deposit
Get pre-approved
We put your file to the lender that fits and bring back a pre-approval in writing, subject to lender approval and your circumstances.
Read this step in full: Get pre-approvedWhat we do
Match the lender to your file
Get officially approved
Once your offer is accepted, the lender orders its valuation and issues formal approval.
Read this step in full: Get officially approvedWhat we do
Chase the lender, so you do not have to
Prepare for settlement
We go through the loan documents with you before you sign anything, then coordinate the lender and your settlement agent.
Read this step in full: Prepare for settlementWhat you need
Your questions, asked early
Stay up to date
After settlement we keep the loan under review as rates move and your circumstances change.
Read this step in full: Stay up to dateWhat we do
Review it, and tell you first
Step 1 of 5 · Start an application
About our independent mortgage brokers
The brokers who put your pre-approval inIndependent means no franchise above us and no lender owning a share of the business. Nobody upstairs sets a monthly target, so your pre-approval goes to the lender whose policy fits your file. Your bank assesses you against one credit policy; we compare 40+.
Gavin Harrigan has been broking from West Leederville since 2005. Today it runs on a small team, Gavin Harrigan, Justin Richardson and Xavier Prescott, each with their qualifications on the page. You deal with the person who writes your loan, before settlement and after it.
The work runs from a first home loan, through refinancing and investment lending, out to construction, small developments and commercial property. Same broker, whichever end of that you are at.
- VerifiedBroking since 2005
- VerifiedOver $1 billion in loans settled
- VerifiedAustralian Credit Licence 389083
- VerifiedMoneyQuest accredited
- VerifiedMember of the Finance Brokers Association of Australia (FBAA)
- Verified40+ lenders on the panel
Fifteen minutes is usually enough to tell you where you stand. No cost, no obligation, and any lending is subject to approval and your circumstances.
Why choose us for your pre-approval
One considered application beats three speculative onesEvery point below is a consequence of how this business is owned, not a slogan about service.
- Included
No franchise, no head office quota
We do not pay a franchise fee, so nobody upstairs sets a monthly target for us to hit. That removes the main reason a broker recommends the wrong loan.
- Included
No lender owns a share of us
The banks have no stake in this business and no claim on where files go. Your bank has one loan to sell you. We do not.
- Included
40+ lenders, one shortlist
We compare 40+ bank and non-bank lenders, then explain why the shortlist looks the way it does. Policy differences decide more applications than rate does.
- Included
We will tell you when the answer is no
If refinancing does not actually save you money, we say so and you leave the loan where it is. A wrong loan costs more than the fee it earns.
- Included
The same broker after settlement
You keep dealing with the person who wrote the loan. We review it as rates and your circumstances change, not once and then never again.
What our clients say
In their words, not oursReviews left by people we have settled home loans for, pulled straight from the platform they were written on.
Our lender panel
A pre-approval is a policy match. We compare 40+Major banks, second-tier banks, and non-bank lenders who will look at a file the majors will not. MoneyQuest gives us access to the panel. 21+ years of writing loans on it tells us which lender assesses your income the way you need it assessed.
A selection of the lenders we are accredited with. Ask us who else is on the panel for your situation.
Our pre-approval guides
Read this before you applyWhat a pre-approval is worth, what it is not, and what to have ready before one goes in. Each one carries a broker's name.
Borrowing power
How much can I borrow?
Income less commitments, tested at a rate higher than the one you would pay.
Read it: How much can I borrow?
First home buyers
The First Home Owner Grant in WA
Who qualifies, what it is worth, and every figure dated to its WA Government source.
Read it: The First Home Owner Grant in WAApprovals
Home loan pre-approval, explained
What a lender is actually committing to, and what can still undo it.
Read it: Home loan pre-approval, explained
Buying a home
How to buy a house in Australia
The whole sequence, in the order it happens, with the finance in the right place.
Read it: How to buy a house in Australia
Meet our Perth mortgage brokers
You get a broker, not a call centreThree people, all named, all reachable. The person who takes your first call is the person who submits your pre-approval and the person who chases the lender on it.
Gavin Harrigan
Managing Director
Broking since 2005, four-time Top 100 broker and a PLAN Australia Hall of Fame member.
- Bachelor of Commerce, Applied Finance and Commercial Law — Curtin University
- Diploma of Finance and Mortgage Broking Management — AAMC Training Group
- PLAN Australia Hall of Fame member
- Elite Broker status
- Top 100 Brokers, four times
Justin Richardson
Loan Consultant
Business and law background, and a habit of making the process feel simple.
- Bachelor of Commerce, Business Law and Marketing — Curtin University
- Bachelor of Laws (in progress) — Murdoch University
Xavier Prescott
Loan Consultant
Fresh qualifications, a competitor's discipline, and a lot of patience.
- Diploma of Finance and Mortgage Broking Management
Common questions about home loan pre-approval
How long does home loan pre-approval take?
It depends on the lender and how complete your documents are. A straightforward salaried file with everything supplied moves quickly, while self-employed applications take longer because there is more to assess. We give you a realistic timeframe for your specific lender once we know which one suits you.
How long does a pre-approval last?
Pre-approvals carry an expiry, and the period varies by lender. Buyers in Perth regularly search for longer than one lasts, which is why we diarise yours. If you are still looking when it approaches expiry, we organise the extension or the re-submission rather than letting it lapse mid-offer.
Is pre-approval a guarantee that I will get the loan?
No. Pre-approval is conditional, and the conditions still have to be met. The lender still values the specific property you buy, re-checks that your circumstances have not changed, and can decline if either falls outside policy. Treat it as a ceiling to bid under, not a certainty.
Does applying for pre-approval affect my credit score?
A single considered application assessed against the right lender's policy is a normal part of buying a home. Multiple declined applications in a short window do damage a credit file, because every lender that looks afterwards can see them. That is exactly what assessing against policy first avoids.
Can I make an offer without pre-approval?
You can, and buyers do it every week, usually with a finance clause in the contract. The risk is real at auction, where there is no cooling-off period and no finance clause to fall back on. Pre-approval also changes how a selling agent treats your offer against a competing one.
What can make a pre-approval fall over later?
Changing jobs or moving onto probation, taking on a new car loan or a buy-now-pay-later account, a valuation coming in under the price you paid, or a change in the lender's credit policy between approval and settlement. Tell us before anything changes rather than after, and we work out whether it matters.
Can I get pre-approved if I am self-employed?
Yes, and it is a large part of what we write. Most lenders want two years of tax returns and financials, though some accept a shorter trading history or alternative income evidence. Assessment takes longer because there is more to read, so start earlier than a salaried buyer would.
Related home loans we arrange
What buyers usually read alongside pre-approvalMost files touch more than one of these. If yours does, it is the same broker and the same conversation.
First Home Buyer Loans
Your first place in Perth, from what you can borrow through to the keys.
Learn moreabout First Home Buyer Loans
Low Deposit Home Loans
Buying with less than twenty per cent saved, with every route costed first.
Learn moreabout Low Deposit Home Loans
Investment Property Loans
Buying your second property or your fifth, with the structure set up to keep going.
Learn moreabout Investment Property Loans
The information on this page is general in nature and does not take into account your objectives, financial situation or needs. Any figures shown are estimates only. Lending is subject to approval, and to the lender's terms, conditions, fees and charges. Consider whether the information is appropriate for you before acting on it.
Get in touch
Talk to us about getting pre-approvedFour questions and you are done. A broker reads it, works out which lender suits your file, and rings you back on the number you give us.
Would rather just talk?
Ringing is quicker than waiting for us to ring you, and you get a broker rather than a queue.
1300 813 113