House hunt with your budget locked in.

Pre-approval tells you exactly what you can spend, shows agents you’re serious, and lets you move fast when the right home appears. It’s free, and it usually takes one to two weeks.

Book a Free Chat → What Can I Borrow?
★★★★★ 5.0 on Google Free service, paid by the lender 90+ lenders compared
House keys ready for the hunt
3 months

is how long most pre-approvals last. Plenty of time to find the right place.

Why get pre-approved before you look?

It’s the single best first step in any property purchase. Here’s what it gives you.

Certainty

Know your real budget

No more guessing what you can afford. Pre-approval puts a firm number on your search before you start.

Speed

Move fast on the right home

When the right place appears, pre-approved buyers can make an offer that day while others are still ringing their bank.

Credibility

Be taken seriously

Agents and sellers treat pre-approved buyers as real contenders, which matters in a competitive market.

Clarity

Surface issues early

Credit hiccups or paperwork gaps show up now, when there’s time to fix them, not mid-purchase.

Pre-approval in four easy steps.

1

A quick chat

We’ll talk goals, income and savings, and tell you upfront what’s realistic before any paperwork starts.

2

We package it up

We gather your documents, choose the right lender from 90+, and present your application in its strongest light.

3

Lender assessment

The lender reviews and issues your pre-approval, typically within one to two weeks of lodging.

4

Shop with confidence

You house hunt with a firm budget. When you find the one, we convert to full approval and drive it to settlement.

What locals say on Google.

5.0 ★★★★★ from Google reviews
A
Adam R.
★★★★★

James and the team at NFIS have been extremely helpful with navigating the various options and opportunities with becoming a first home owner. Would definitely recommend.

D
Des H.
★★★★★

James was extremely helpful and guided us through the whole process from start to finish. Would highly recommend James and his team for any of your financial needs.

P
The Pini Family
★★★★★

As always James and the team have done amazing such a great experience and so nice having someone be able to explain things in terms my husband and I can understand. Beyond happy with our service.

S
Surbhi C.
★★★★★

James is extremely helpful and got our work done in no time and effectively. Thanks!

S
Steve C.
★★★★★

James and the team have been fantastic in organising my finances. They recently helped refinance my home loan to a much better rate, found excellent options for my personal insurance, and my superannuation is now growing rapidly.

M
Mehrab M.
★★★★★

We are very grateful to be guided by James who within a short period of time understood our needs and implemented a plan which provided the best outcome for our family.

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How much can I borrow?

Get an estimate before we chat. It takes about two minutes.

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What will stamp duty cost?

See what you’d pay in WA and what concessions might apply to you.

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Pre-approval questions we hear every week.

Does pre-approval guarantee my loan?+

It’s a strong conditional yes, not a legal guarantee. Final approval checks the property itself. We make sure there are no surprises between the two.

Does pre-approval affect my credit score?+

One well-placed application has minimal impact. We choose the right lender first so you’re not applying multiple times.

How long does pre-approval last?+

Usually three months, and most lenders will refresh it easily if your search runs longer. We handle the renewal.

What documents do I need?+

Typically ID, payslips or business financials, and statements for savings and any debts. We’ll give you a simple checklist so it’s one trip, not ten.

Want your budget locked in this month?

Pre-approval costs nothing and puts you in the strongest position to buy. Let’s get yours moving.

Book a Free Consultation → Send Us a Message

Or skip all of this and call James directly on 0405 069 441.