Pre approval home loan for first home buyers
Know exactly what you can borrow before you start house hunting. A broker matches your profile to the right lender first time, protecting your credit score and avoiding delays.
- Know your real budget upfront
- Bid at auction with confidence
- One targeted credit check
- Valid for 3 to 6 months
Based on 250+ reviews
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We compare your rates with 50+ lenders
How pre-approval
works
Pre-approval takes 1 to 5 business days when everything is submitted correctly. A broker handles lender selection, document review, and submission so you avoid the common delays that stretch first home buyer applications to 2–4 weeks.
Share your finances
A 30-minute call covers your income, debts, deposit, and goals. Your broker identifies which lender best fits your profile before any documents are submitted.
Broker reviews and submits
Your documents are checked for formatting errors and missing pages, then submitted to the matched lender. A clean file means faster assessment and fewer callbacks.
Pre-approval confirmed
You receive a borrowing figure locked to current rates plus a serviceability buffer. That number is your budget for house hunting, valid for 3 to 6 months.
What documents you need
PAYG employees
Last 2–3 consecutive payslips, most recent PAYG summary or tax return, 3 months of bank statements showing salary deposits, and 100 points of ID.
Self-employed buyers
2 years of personal and business tax returns, ATO Notices of Assessment, 12 months of BAS, 6 months of business bank statements, and ABN details.
Common mistakes that delay you
Non-consecutive payslips, CSV bank statements instead of PDFs, missing tax return pages, wrong PAYG document, and undeclared HECS/HELP debt.
Documents you might not expect
Evidence of genuine savings, a signed gift letter if family is helping, rental history or lease agreement, and credit card statements even with low balances.
Avoiding delays
First home buyer pre-approval delays of 2 to 4 weeks are common because of preventable mistakes.
Each delay below has a specific cause and a specific fix. Every one is avoidable with the right preparation.
A clean, complete file assessed in 1–3 business days. That’s the difference a broker makes.
01
Incomplete documents
A missing page or wrong date range triggers another lender request and adds 5 to 10 business days. Have a broker review every document before submission.
02
Credit file surprises
An unpaid phone bill, forgotten BNPL account, or old default can trigger extra scrutiny or decline. Request your free credit report from Equifax before applying.
03
Employment verification
Lenders verify income with your employer or payroll provider. Slow responses can stall things for days. Give your employer a heads-up that a lender may call.
04
Wrong lender selection
Each lender assesses risk differently. Applying to the wrong one wastes time and creates unnecessary credit inquiries. A broker matches your profile to the right lender first.
05
Undisclosed debts
HECS/HELP debt, car finance, and guarantor commitments all affect borrowing capacity. Lenders will find them anyway, so disclose everything upfront to avoid reconciliation delays.
Want to avoid all of this?
A broker reviews your file before submission so the lender gets a clean application first time.
Start your pre-approval
Why use a broker instead of going direct to a bank?
Going direct to one bank feels simpler, but for a first home buyer it carries real risk. A rejection creates a hard inquiry on your credit file with nothing to show for it.
A broker pre-screens your application against lender policies before anything is submitted, which lowers the risk of a wasted credit inquiry.
Right lender, first time
Your profile is matched against 40+ lender policies to find the strongest fit. One targeted submission protects your credit file.
Faster turnaround
Brokers catch formatting errors and missing pages before submission. A clean file gets assessed in 1–3 business days instead of bouncing back for weeks.
No cost, full transparency
Broker services cost you nothing. Stryve is paid by the lender on settlement and publishes commission rates so you see how the arrangement works.
What our customers
say about us
Don't just take our word for it. See what hundreds of satisfied clients across Sydney say about their experience with Stryve Finance.
“Nate and Dylan were extremely helpful in helping us secure our new home. They were easy to contact from day one, and answered any questions we had. We felt reassured at all times and are very grateful for their patience with us. I have recommended Stryve to 3 friends now who have all been successful in achieving their goals of purchasing their homes. We are so happy with the service and will definitely keep on recommending Stryve to our family and friends.”
Whitney Tran
Homeowner
“I never had a problem with Dylan. From the start of our journey on mortgage til the very end and even with refinancing, he/they were very helpful, transparent, honest and really keen to help their clients! Highly recommended.”
Cristianne Del Valle
Homeowner
“On behalf of my husband and I, we would like to truly thank Dylan Bertovic for all his assistance in helping us with our new loan - approved in time before our settlement. Dylan worked above and beyond expected. He took the time to explain every step and process with us. Any questions we had, Dylan would go out of his way to ensure they were answered. He made the process stress free and ensured we got the best possible deal. We highly recommend Dylan to all our family and friends.”
Merna Yalda
Homeowner
“Nate is great to work with, very knowledgeable, responsive and genuinely invested in helping me find the right solution. Highly recommend this firm to anyone looking for reliable, competitive and professional brokerage services.”
Julia
Homeowner
“Dylan has not only been a longtime friend, but also the trusted mortgage broker of choice for my family. He answers the phone at all hours, communicates extensively through all steps of a sometimes-complicated process and manages my risk. He has a straight to the point approach which I appreciate. Simply gets the job done, and gets it done very quickly. Thanks for everything Dylan, you're a champion broker and a good mate.”
Christian Barać
Homeowner
“Nate and Dylan were the ultimate professionals in securing a home loan to help us purchase our first home! Following the purchase of our home, they have continued to provide their exceptional service and have been able to secure two rate reductions in six months! Being self-employed wasn't an issue for me as Nate knew the process back-to-front and was able to provide sound advice throughout the application process.”
Justin Tomas
Homeowner
“It was an absolute brilliant experience with Stryve. Our first purchase was with Dylan he was always clear re: the next steps, quick to respond, never tired of questions and went over and above with communication. We went back and used him again for our next investment and the experience was just as wonderful as the first. Stryve also reviews our loans every 6 months to make sure we are getting the best rates on offer. We couldn't ask for more!”
Amber Motii
Homeowner
Frequently asked questions
Ready to get pre-approved?
A broker reviews your documents and matches you to the right lender before anything is submitted. No cost, no pressure, no credit check until you’re ready.
Start your pre-approval