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Discover our indicative
pre-approval home loan tool
With an indicative pre-approval from Liberty, you can get a clearer view of your borrowing power when searching for a new home. Simply answer a few questions about your individual circumstances to get started.
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Instant answer
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Fast and simple
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Personalised interest rates
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Indicative loan repayments
Get an instant estimate of what your home loan could look like in just minutes.
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Learn more about indicative pre-approval
Indicative pre-approval is provided by a lender as an estimate of your borrowing power based on your current circumstances. While pre-approval doesn’t guarantee full approval of a home loan application, the process can provide some peace of mind and help give you an idea of what you might be able to afford. Once you've found a property, you'll need to complete a full home loan application which requires final unconditional lender approval before you can proceed with the purchase.
Seeking this type of home loan pre-approval before you start browsing for properties is a smart first step. When you are ready to move ahead, you can begin the home loan application process to seek conditional approval with a realistic idea of what you might be able to borrow.
Borrowing power is the term used to describe how much you can borrow based on your financial situation. When it comes to home loans, having more borrowing power means more options and often a higher loan amount. Liberty’s indicative pre-approval tool calculates your potential borrowing power along with your indicative interest rate and estimated home loan repayments in just minutes.
A home loan repayments calculator is a basic tool that gives you an idea of what you could be looking to repay on a mortgage over the life of the loan. With Liberty’s indicative pre-approval tool, you’ll receive a more realistic instant estimate of what your home loan repayments might be based on the quoted interest rate and amount you would like to borrow, tailored to your circumstances.
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Getting a home loan on a time crunch
In a hot property market loan approval timeframes can creep up, but there are ways you can get financial faster.
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How do you calculate borrowing power?
Working out your borrowing power is an important part of applying for a loan – but there are many factors involved.
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The real cost of refinancing
Before you refinance your home loan, make sure you weigh up all the costs.
Read moreLearn more about indicative pre-approval
Calculate how much repayments would be for a home or investment loan.
Estimate how much you could borrow based on your income.
Calculate how much repayments would be for a home or investment loan.
Estimate how much stamp duty you are likely to pay.
Compare two loans to see which is most effective for you.
Work out repayments for variable and fixed periods of split loans.
Determine how much income tax you pay and your net income.
Work out how much money you have available to save or invest each year.
How much could you earn by investing in a term investment fund.