Pre-Approval
Get loan-ready with pre-approval for clarity and confidence — especially at auction. We’ll assess your finances and match you with the right lender.
Pre-Approval for Confident Property Buying
Pre-approval gives you clarity and confidence when buying — especially if you’re bidding at auction. We’ll help you get loan-ready, fast.
Thinking of buying soon?
We’ll assess your finances, explain your borrowing power, and line up a lender that suits your goals and timeline. In some cases, we may charge a refundable fee to cover the time and due diligence involved.
More loans. More choice.
We compare hundreds of options across 50+ lenders — including the big banks, credit unions, and smaller specialists — to help you find the right loan now, and down the track.
Professionalism and Extremely Generous
Patrick was amazing to work with. To say my husband and I were clueless at the beginning of the process is a bit of an understatement. We were in excellent hands with Patrick and Rebecca. Many of my questions were definitely ridiculous, but they walked us through every step of the process, patiently explaining details without making us feel silly. Their professionalism and know-how put our minds at ease but also meant that we got everything across the line. Navigating pre- approval and putting in an offer on a house can be stressful, but Patrick and Rebecca were extremely generous with their time and wisdom, remaining in contact with us back and forth over emails and phonecalls (both in and out of office hours) until the deal was sealed. I have already recommended them to colleagues who are about to embark on their own journey.
~ Kirstie S.
Meet Patrick Morgan
Director, OGMA Finance
Patrick has spent over a decade in the finance industry and is known for his ability to simplify complex scenarios and go the extra mile for his clients. He takes the time to understand your goals and tailors lending strategies to fit both your short- and long-term needs.
He specialises in owner-occupied and investment lending, and his work has been recognised with multiple national awards:
- 🏆 Finalist – Best Mortgage Broker 2025 (Better Business Awards)
- 🏆 Finalist – Best Finance Broker 2024 (Better Business Awards)
- 🏆 Finalist – Best Mortgage Broker 2024 (Better Business Awards)
- 🥇 Winner – Top Writing Broker 2018 & 2019 (1300 Home Loan)
Frequently Asked Questions
How long does pre-approval take?
Some lenders can approve within 48–72 hours. We’ll prioritise speed if you’re on a deadline.
Does pre-approval mean I’m guaranteed a loan?
Not quite — it’s subject to valuation and final verification, but it gives you a strong starting point.
Can I get pre-approval before I’ve found a property?
Absolutely — and it’s smart to do so.
Do you charge a fee?
Sometimes, yes — particularly if we’re doing a full review ahead of a pre-approval that may not lead to a purchase. If so, the fee is fully refundable if the loan goes ahead.
How long is pre-approval valid for?
Typically 60–90 days, depending on the lender. We’ll keep track and extend it if needed.