Pre-approvals

Home loan pre-approval evaluates creditworthiness, strengthening your position in buying a home. It streamlines the process, offers financing tranquility, and signals seriousness to agents. Our brokers provide a tailored, free service.

Is a pre-approval right for me?

Homebuyers aiming for a comprehensive understanding of their borrowing capacity can greatly benefit from obtaining a home loan pre-approval. This pre-approval is a formal evaluation by a lender that provides a written assessment of your creditworthiness for a loan.

The assessment takes into account crucial factors such as your income, living expenses, and existing loan repayments, offering a clear indication of your ‘ability to repay’ a loan. This invaluable step not only strengthens your position in purchasing, but also streamlines the home-buying process, allowing you to approach your property search with confidence.

The Value of Pre-Approval

Securing a pre-approval offers tranquility throughout the home buying journey. It ensures that when you identify the perfect home, the financing is readily available. This not only instills confidence in your home buying process but also signals to real estate agents that your offer is serious, setting you apart from competitors. Typically valid for three months, the pre-approval can be easily extended to cover you for up to six months, accommodating a more extensive property search without the pressure of a looming expiration date.

Understanding the Importance of Pre-Approval Customization

Every pre-approval is distinct, reflecting the individuality of financial situations. Navigating through the diverse array of loan options can be daunting, particularly without the necessary financial expertise. Recognizing the significance of tailoring pre-approvals to specific needs is crucial in ensuring a seamless financial process.

Collaborating with Skilled Brokers for Tailored Solutions

Engaging with our team of skilled brokers is the key to achieving a pre-approval that aligns perfectly with your budget and financial prerequisites. These experts bring a wealth of knowledge and experience to the table, facilitating the arrangement of a customized pre-approval that addresses your unique requirements. Their expertise ensures that you can navigate the complexities of the financial landscape with confidence.

Cost and Obligation-Free Service from Initiation to Conclusion

What sets our service apart is not only the customization but also the commitment to providing a hassle-free experience. From the initial stages of pre-approval discussions to the final conclusion, our service is entirely cost and obligation-free. This means you can benefit from expert financial advice and tailored solutions without any financial burden or commitment, making the entire process transparent and accessible.

Reviews

We take pride in being a financial group you can genuinely rely on, guiding you from the initial consultation to our annual reviews conducted years after your settlement. Our enduring commitment to personalized services and fostering strong relationships is designed for long-term success. If you seek evidence, look no further than our authentic five-star reviews from satisfied clients. Rest assured that choosing OVM Finance Group is a decision backed by the positive experiences of our valued clientele.

Anthony
Anthony
2024-11-06
Worked with Will as a first home buyer. He made the process as straight forward as possible, given so many variables we were working with. He was open, transparent and knowledgeable of his industry. Thanks to will, my first investment property is secure and my property portfolio was able to commence. Thanks again Will.
Jason Carey
Jason Carey
2024-10-22
Will from OVM dealt with my lengthy pre approval due to having guarantors. I asked a lot of him. Will was exceptional. Informative, very responsive and always looking at ways to get me the best deal. Friendly and personable. Would not hesitate to recommend to others.
Jessica Webb
Jessica Webb
2024-10-01
Azem was my broker through the purchase of my first home, from occasional check ins to understand the process, to answering my many questions, with easy to understand comprehensive answers. My concern going through the process was that I knew nothing, however Azem ensured I had the answers, and understood why, without making me feel like an idiot. Azem is a pleasure to work with and I would 100% recommend him to everyone
PLab Productions
PLab Productions
2024-09-27
I can’t thank Azem from OVM Finance enough for the incredible work he did for us. He navigated all the hoops and obstacles and made our dream of owning our first home a reality. Before finding Azem, we contacted several mortgage brokers—some told us we’d have to wait at least two years to even apply for a loan, while others said it simply wasn’t possible due to our personal circumstances. We had lost hope and had given up on the idea of buying a house altogether. Then, through a personal connection, we were lucky enough to find Azem, and he was an absolute godsend. What really stood out to me was how Azem treated our home-buying journey as if it were his own. That’s a rare and special quality—he made our dream his mission and worked relentlessly to make it happen. Not only that, but he also secured us a great rate from the bank—more than 1% lower than what another broker had offered us. I’ve already recommended Azem’s services to a couple of friends who are looking to buy, and I wouldn’t hesitate to do so again in a heartbeat. Thank you, Azem, for helping us achieve such a huge milestone in our lives!
Michaela Egan
Michaela Egan
2024-08-15
OVM Finance was a great help during my first home buyer journey. I contacted OVM well before I was ready to buy, and they gave me a great idea of how much savings I needed, what my borrowing capacity could look like, and what grants I was eligible for. Azem was always ready to answer my questions and explore many different routes to buying, and guided me through the settlement process every step of the way. I would highly recommend using OVM for a broker if you are looking to finance a property in the future.
Angus Cassidy
Angus Cassidy
2024-07-26
Azem at OVM Finance has been amazing throughout my first home buying journey. Incredibly supportive, knowledgeable and extremely patient with all my questions, he made my journey as stress-free as buying a house could be! I highly recommend Azem, thank you so much for helping me buy my first home!
Bodhi Pearce
Bodhi Pearce
2024-05-14
Very professional and immensely helpful. The team at OVM always go above and beyond for me.
Asaph Hoi
Asaph Hoi
2024-05-02
Jakob was incredibly helpful helping me navigate the home loan and approval process since the start. He was very precise and informative every phone call and meeting we had. Jakob was also able to answer my queries with ease, would highly recommend.
Josh Guy
Josh Guy
2024-04-24
My partner and I have just gone through the process of purchasing our first block of land and building our first home. We had the hardworking Azem as our mortgage broker and we couldn't recommend him enough! It has been a stressful process for us but Azem has worked around the clock to make sure everything worked out for us. Without him, we would wouldn't have been able to get through this and wouldn't be in the position we are today. We strongly recommend Azem to anyone who is after a hard working, dedicated, respectful and client first broker. You will not be disappointed! Thank you so much Azem!
Ali Alnajar
Ali Alnajar
2024-04-22
I first got into touch 2 years ago when I was entering the property market for the first time. Having no experience myself and not much knowledge, Jakob made the entire process as smooth as possible, always putting your needs and wants first ahead of everything. While making sure you’d always get what you wanted, he was upfront, honest and was realistic with my expectation and didn’t “sell” me a dream. I’ve had stayed in touch with Jakob until then and my build is just about to completed, and I will continue to stick in future ventures. Would highly recommend!