Pre-approval

Ready to confidently enter the property market? Getting pre-approved for your home loan is the essential first step, giving you clarity on what you can afford and boosting your negotiation power.

Get pre-approved for your home loan

Stepping into the property market without a pre-approval is like searching for a house with a blindfold on. Home loan pre-approval is a crucial preliminary assessment by a lender that determines how much you can borrow. It's not a formal loan offer, but it's an incredibly powerful tool that gives you a significant advantage.

Here's why getting pre-approved with Ferns Finance is a smart move for buyers in Beenleigh, Logan, Scenic Rim, and on the Gold Coast:

  • Know Your Budget: You'll have a clear understanding of your maximum borrowing capacity, allowing you to focus your property search on homes within your affordable price range. This saves you time and prevents disappointment.
  • Boost Your Confidence & Negotiation Power: A pre-approval signals to real estate agents and sellers that you're a serious, qualified buyer. This can give you an edge over other bidders, especially in competitive markets, and strengthen your position when making an offer.
  • Faster Settlement: With your finance largely pre-assessed, the final loan approval process can be significantly quicker once you find your property, leading to a smoother and faster settlement.
  • Understand Loan Costs: Pre-approval also helps you understand potential loan repayments and associated costs, giving you a realistic financial picture before you commit.

We'll gather the necessary financial information, submit your application to appropriate lenders from our panel of over 60 banks and financial institutions, and guide you through every step. We're here to answer all your questions and ensure you're well-prepared for your property search.

Don't wait. Get pre-approved and step into the property market with confidence! Talk to us today.

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Helpful calculators.

Explore your financial possibilities and understand potential costs with these handy calculators.

Borrowing Calculator

Use the calculator to find out how much you could borrow.

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Stamp Duty Calculator

Find out how much budget you need to set aside to cover Stamp Duty costs and what the requirements are in your state or territory.

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Frequently asked questions.

View our full FAQs
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Can you help me refinance my current mortgage to a better deal?

Absolutely. We offer free assessments to compare your current rate with what’s available — and if there’s a better option, we’ll make it easy to switch.

Can you help with high-rise apartments or off-the-plan purchases?

Absolutely. We’re experienced in helping clients buy off-the-plan in towers across the Gold Coast & Brisbane. We know which lenders accept these properties and under what terms. We can also help you with deposit bonds for off-the-plan purchases.

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Do I have to come into an office to apply?

Not at all! We offer phone, video, and online appointments — perfect if you're in a rural spot or juggling a busy schedule.

Do I need a finance broker?

Whether you need a finance broker depends on your financial situation and comfort level with the borrowing process. If you have a good understanding of financial products and feel confident negotiating with lenders, you may not need a broker. However, if you're unfamiliar with the process or have specific needs, a broker can provide valuable assistance.

Ultimately, the decision should be based on your individual circumstances and preferences.

Do lenders treat short-term Airbnb properties on the Gold Coast differently?

Yes — some lenders may not count Airbnb income unless it’s long-standing. We’ll match you with lenders who are flexible with holiday rental properties.

Do you help with house and land packages in new developments around Logan or Yarrabilba?

Definitely. We often work with clients purchasing in estates like Yarrabilba, Flagstone, or Ripley Valley. We can guide you through finance stages tied to construction.

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Talk to us today about your options.

Talk to us today about your options. Whether you're in Beenleigh, Logan, Scenic Rim, or on the Gold Coast, Gwen @ Ferns Finance is ready to provide expert, straightforward advice.

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