{"id":16802,"date":"2025-09-04T15:02:35","date_gmt":"2025-09-04T03:32:35","guid":{"rendered":"http:\/\/quantiphy.com.au\/oldbackup\/?p=16802"},"modified":"2025-09-04T15:04:18","modified_gmt":"2025-09-04T03:34:18","slug":"skipping-pre-approval-sees-1-in-10-first-home-buyers-miss-out","status":"publish","type":"post","link":"https:\/\/quantiphy.com.au\/oldbackup\/skipping-pre-approval-sees-1-in-10-first-home-buyers-miss-out\/","title":{"rendered":"Skipping pre-approval sees 1-in-10 first home buyers miss out"},"content":{"rendered":"<p>Buying a first home isn\u2019t always easy, and first-timers sometimes miss out on a place they\u2019ve set their heart on. But more than one-in-ten first-time buyers have missed out simply because they didn\u2019t have home loan pre-approval.<\/p>\n<p>Buying a first home can be an emotional roller coaster. It\u2019s not unusual to find a property you love, only to lose out.<\/p>\n<p>A Finder survey shows\u00a0<a href=\"https:\/\/www.finder.com.au\/news\/first-home-buyers-missed-out-2025\" target=\"_blank\" rel=\"noopener noreferrer\">three-in-five first home buyers have been beaten to homes<\/a>\u00a0\u2013 usually because they\u2019ve been outbid by a competing buyer.<\/p>\n<p>There\u2019s not a lot you can do about another buyer having deeper pockets.<\/p>\n<p>But there are steps you can take to potentially give yourself a strategic advantage.<\/p>\n<p>One of them is having home loan pre-approval.<\/p>\n<p>Yet Finder reports more than one-in-ten (11%) first home buyers lost out on a home because they didn\u2019t have pre-approval in place.<\/p>\n<p>Here\u2019s why pre-approval can give you a competitive edge.<\/p>\n<h3>What is home loan pre-approval?<\/h3>\n<p>Home loan pre-approval involves applying for a home loan before you begin house-hunting.<\/p>\n<p>It\u2019s a chance for a lender to check out your details (such as your income, deposit and savings record), and give you the thumbs-up for a loan to a certain price limit.<\/p>\n<p>Think of it as you and your lender both swiping right on each other.<\/p>\n<p>Pre-approval shouldn\u2019t cost you anything. And you\u2019re not committed to take out the loan.<\/p>\n<p>But it can be very reassuring to know you\u2019re good for finance when the right property comes along.<\/p>\n<p>As the lender specifies how much you can borrow, pre-approval also helps set a buying budget, and lets you confidently negotiate on price or bid at auction.<\/p>\n<h3>The risks of skipping loan pre-approval<\/h3>\n<p>Of course, you can choose to apply for a loan after you\u2019ve found a home to buy.<\/p>\n<p>It can be a more high-stakes approach, and leaving things this late can put you at a disadvantage.<\/p>\n<p>Lenders usually need time to review your application and decide if you qualify for a loan \u2013 and how much you can borrow.<\/p>\n<p>That time gap could see a more organised buyer jump in and beat you to the finish line if time is a factor for the vendor.<\/p>\n<p>There\u2019s also the risk of overestimating your borrowing power (that said, we can help you work that out without going through formal home loan pre-approval).<\/p>\n<p>Long story short, while loan pre-approval is not compulsory, it can be a smart step that lets you act fast \u2013 and with confidence \u2013 and it tells sellers you\u2019re a serious contender for the property.<\/p>\n<div class=\"bt_bb_row\" data-structure=\"12\">\n<div class=\"bt_bb_column col-md-12 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"12\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_row_wrapper bt_bb_row_width_boxed_1200\">\n<div class=\"bt_bb_row\" data-structure=\"2-4-4-2\">\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_left bt_bb_vertical_align_top bt_bb_padding_normal\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\">\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_text\">\n<h6>Speak To An Expert<\/h6>\n<p>Schedule in a time to discuss your situation with a home loan specialist<\/p>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<div class=\"bt_bb_button bto btop bt_bb_icon_position_left bt_bb_color_scheme_14 bt_bb_style_filled bt_bb_width_inline bt_bb_shape_inherit bt_bb_size_normal bt_bb_align_inherit\" data-bt-override-class=\"{&quot;bt_bb_size_&quot;:{&quot;current_class&quot;:&quot;bt_bb_size_normal&quot;,&quot;xl&quot;:&quot;normal&quot;},&quot;bt_bb_align_&quot;:{&quot;current_class&quot;:&quot;bt_bb_align_inherit&quot;,&quot;xl&quot;:&quot;inherit&quot;}}\"><a class=\"bt_bb_link\" title=\"BOOK IN A CALL\" href=\"\/finance\/book-a-chat-with-tommy-biller\/\" target=\"_self\" rel=\"noopener noreferrer\"><span class=\"bt_bb_button_text\">BOOK IN A CALL<\/span><\/a><\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_normal bt_bb_border_style_none\"><\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"4\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<div class=\"bt_bb_column col-md-2 col-sm-4 col-ms-12 bt_bb_align_center bt_bb_vertical_align_top bt_bb_padding_double bt_bb_highlight\" data-width=\"2\">\n<div class=\"bt_bb_column_content\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div class=\"bt_bb_separator bt_bb_bottom_spacing_small bt_bb_border_style_none\"><\/div>\n<h3>The fine print on home loan pre-approval<\/h3>\n<p>A few finer points of home loan pre-approval are worth knowing:<\/p>\n<p><strong>1. Pre-approval comes with a time limit:<\/strong>\u00a0loan pre-approval\u00a0<a href=\"https:\/\/moneysmart.gov.au\/home-loans\/buying-a-house\" target=\"_blank\" rel=\"noopener noreferrer\">doesn\u2019t last indefinitely<\/a>. In most cases, pre-approval extends for three to six months depending on the lender. Don\u2019t let this rush you. We can help you reapply for pre-approval if that time lapses.<\/p>\n<p><strong>2. Pre-approval is based on your circumstances when you apply:<\/strong>\u00a0life doesn\u2019t stand still for long. If your circumstances change after receiving home loan pre-approval, let us know and we can talk to your lender to update your pre-approval.<\/p>\n<p><strong>3. Not all lenders offer home loan pre-approval:<\/strong>\u00a0every lender is different. And some choose not to offer loan pre-approval. We can save you time by explaining the lenders that offer pre-approved home loans.<\/p>\n<h3>Book in a call for more information<\/h3>\n<p>If you\u2019re not sure where to begin with home loan pre-approval, <a href=\"http:\/\/quantiphy.com.au\/oldbackup\/finance\/book-a-chat-with-tommy-biller\/\">book in a call<\/a> today.<\/p>\n<p>We can guide you through the steps involved, and explain how home loan pre-approval could help you beat other buyers to the punch.<\/p>\n<p><strong>Disclaimer:<\/strong>\u00a0The content of this article is general in nature and is presented for informative purposes. It is not intended to constitute tax or financial advice, whether general or personal nor is it intended to imply any recommendation or opinion about a financial product. It does not take into consideration your personal situation and may not be relevant to your circumstances. Before taking any action, consider your own particular circumstances and seek professional advice. This content is protected by copyright laws and various other intellectual property laws. It is not to be modified, reproduced or republished without prior written consent.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Buying a first home isn\u2019t always easy, and first-timers sometimes miss out on a place they\u2019ve set their heart on. But more than one-in-ten first-time buyers have missed out simply because they didn\u2019t have home loan pre-approval. Buying a first home can be an emotional roller coaster. It\u2019s not unusual to find a property you&#8230;<\/p>\n","protected":false},"author":4,"featured_media":16803,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[42,6],"tags":[],"class_list":["post-16802","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Skipping pre-approval sees 1-in-10 first home buyers miss out - Quantiphy<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/finance-matters.info\/2025\/08\/06\/skipping-pre-approval-sees-1-in-10-first-home-buyers-miss-out\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Skipping pre-approval sees 1-in-10 first home buyers miss out - Quantiphy\" \/>\n<meta property=\"og:description\" content=\"Buying a first home isn\u2019t always easy, and first-timers sometimes miss out on a place they\u2019ve set their heart on. 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