Regardless of whether you're seeking your first home loan or your fourth, there are some things that are always worth investigating. After all, home loans are usually necessary to achieve your property goals, but there are some factors that can make the process easier overall.

Getting your home loan pre approved basically means having the confidence to approach any situation – whether it be an auction or private sale – and know for certain how much money you have available to spend from a lender.

With auctions becoming a large proportion of property sales across the nation, being able to seal the deal as soon as possible is essential. In fact, many vendors nowadays will want to sign the paperwork as soon as the proceeding finishes, and if you aren't ready you could potentially miss out.

Furthermore, knowing how much money you have to play with means that you can narrow your real estate search, cutting down the amount of time spent looking into unrealistic or unattainable houses and giving you a clearer focus about the type of home you can get.

Home loan pre approvals are usually valid for a minimum of three months, so you have plenty of time to search around and find the perfect home for you and your family. And if you fail to find anything during that period, applying for another pre approval is simple and effective.

And the best part? Seeking a pre approval is free. You can't put a price on this kind of peace of mind, which will give you the best home loan security possible and aid your real estate search, helping you to discover the perfect property to satisfy your goals.

You can contact a Smartline Mortgage Adviser on 13 14 97 for home loan advice. Or complete our call request form and we’ll call you!

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DISCLAIMER: The information contained in this article is correct at the time of publishing and is subject to change. It is intended to be of a general nature only. It has been prepared without taking into account any person’s objectives, financial situation or needs. Before acting on this information, Smartline recommends that you consider whether it is appropriate for your circumstances. Smartline recommends that you seek independent legal, financial, and taxation advice before acting on any information in this article.