Pre-approval gives you a clear borrowing figure and more confidence at auctions and open homes, so you are not guessing at what you can afford.
Meet Mel and the Zest team, who've helped hundreds of clients get pre-approved and ready to make an offer.
Pre-approval gives you a clear borrowing figure and more confidence at auctions and open homes. Terms vary a lot between lenders, though. Some assess your application more thoroughly than others, and a weak pre-approval can fall over later when it matters most.
We compare 60+ lenders to find a pre-approval that will hold up when you make an offer, so you can house hunt knowing what you can afford. Our team is based in Springfield and works with buyers across Springfield and Ipswich.
At Zest Mortgage Solutions, we believe getting pre-approved should be just as simple as house hunting itself. Here are a few recent Zest Google reviews we think you'll love!
A short call with Mel & the team gets your borrowing capacity worked out properly, not just estimated from an online calculator. No cost, no obligation to proceed.
Pre-approval terms vary a lot between lenders, some are more thorough than others, and a weak pre-approval can fall over later. We compare across 60+ lenders to find one that will actually hold up when you make an offer.
Once you are pre-approved, we keep the file ready to go, so when you find the right property we can move quickly to formal approval without starting from scratch.
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A home loan pre-approval (also called conditional approval) suits anyone getting ready to buy. It gives you a clear borrowing limit so you can search within budget and make offers with more confidence, especially at auctions or when competing with other buyers.
Every lender is different, so we'll confirm the exact list for your situation before you apply.
In growth areas like Springfield Lakes, Augustine Heights and the Ripley Valley, well-priced homes can move quickly. Having pre-approval in place means you can act when the right property comes up. Once you've found a place, we move your pre-approval through to a full home loan approval.
Want to talk it through? Book a free chat with Mel and the Zest team, or call (07) 3461 6499.
Most pre-approvals are valid for about three to six months, depending on the lender. If it expires, it can usually be renewed with updated documents.
No. It's conditional. The lender still needs to approve the property and confirm nothing has changed with your finances.
A pre-approval usually involves a credit check. That's why we help you choose the right lender first rather than applying with several.
Yes. Lenders will usually ask for tax returns and business financials instead of payslips.
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"Thank-you! As first home owners we were very unsure of the process. However, from our very first encounter with Mel, we felt comfortable and certain that we had chosen the right broker for us. Ashleigh helped us through the application process and was always prompt with emails/ phone calls and more than willing to answer our questions. You guys truly are amazing 🤩"
"Thanks to the fantastic team at Zest Mortgage Solutions. They made an incredibly complex business investment purchase extremely easy for us and kept us up to date with the process as it moved forward. I would highly recommend them and will be utilising their services in the future."
"Mel and the team have been amazing throughout the entire process. We were constantly informed and nothing was too difficult. It really couldn't have been a better experience. We would highly recommend Zest Mortgage Solutions!"
"Mel and the team at Zest Mortgage Solutions make the process of buying a house easy, there was always someone there to assist or answer questions - even during the festive season 😊 thanks team, 💯 recommend"
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"As a single mother, I never thought in a million years I could own my own home. Melissa and her team made the process so easy and stress free. I can’t thank them enough for making my dreams come true. No question was to dumb and they never made me feel like I was bothering them with all my calls for clarification! Would 10/10 recommend them to anyone looking to purchase a house."
