Pre-approval
Know what you can borrow before you shop
We compare 20+ lenders, handle the paperwork, no client fees. Top 25 NZ Adviser (2024).
Home loan pre-approval
Going to an auction without pre-approval is bidding with money you are not certain you have. Auctions in Christchurch are unconditional on the fall of the hammer, so a pre-approval is not paperwork for later. It is the thing that lets you raise your hand at all.
We work out what you can realistically borrow, get it approved with the right lender for your situation, and make sure the conditions attached are ones you can actually meet. We also tell you plainly where the ceiling sits, so you are not falling in love with a house that was never going to work. Our advice costs you nothing, because the lender pays us and you do not.
Our office is at 3/24 Dublin Street in Christchurch and we work with clients right across New Zealand. Come in and sit down with us, or get pre-approved entirely by phone and email from wherever you are house hunting. The advice and the process are exactly the same.
Alex Toohey is a Top 25 New Zealand Mortgage Adviser and Journey Mortgages holds a 5.0 rating from 66 Google reviews. If there is a property you like coming up, start the conversation now rather than the week of the auction.
- Cost
- Free to get
- Typically valid for
- Around 3 months, and often extendable
- Turnaround
- Often a few days once your paperwork is complete
- Why it matters
- Auctions are unconditional on the fall of the hammer
Get ready
What we'll need from you
Have these to hand and pre-approval can often be arranged within a few days.
- Photo ID
- Your last 3 months of bank statements
- Recent payslips, or financial accounts if you are self-employed
- Proof of your deposit or savings history
- Details of any other debts or credit commitments
- A gift certificate, if part of your deposit is gifted
We'll tell you exactly what's needed for your situation and help you get it together before you apply.
No cost · No obligation
Free 15 min pre-approval chat with Alex
Tell us where you're at below. Journey Mortgages will be in touch within 24 business hours.
- A straight answer on what you can borrow
- 20+ banks and lenders compared for you
- No fees to you on home and investment loans
- A reply within 24 business hours
★★★★★ 66 five-star Google reviews · 20+ lenders compared · Top 25 NZ Mortgage Adviser