Getting pre-approved isn’t just about ticking a box, it's about buying with clarity, confidence, and control.

In this episode, Jack Elliott and Chris Bates unpack what a fully assessed pre-approval actually is, why it matters, and how it puts you in a stronger position when it’s time to make an offer.

They break down the difference between a computer-generated approval and one that’s properly reviewed by a credit assessor, and how that impacts your ability to move quickly when the right property comes up.

You’ll learn how pre-approval fits into your buying timeline, how it can help uncover roadblocks early (like credit issues or complex income), and why starting the process 6–12 months out can make all the difference.

Whether you’re just starting to explore the idea of buying, or ready to get serious, this episode gives you the tools to move forward with more confidence and clarity.

In this episode:

🔑 What a pre-approval actually is

🔑 Fully assessed vs online pre-approvals

🔑 How pre-approval helps you avoid costly delays

🔑 Why your broker’s process makes a big difference

🔑 Ideal timing for getting pre-approved

Timestamps:

00:00 – What’s in store for this episode?

01:41 – What is a pre-approval, and why does it matter?

04:30 – The process to get a pre-approval

05:29 – Fully assessed vs computer-generated: what’s the difference?

08:40 – Ideal timing for pre-approval

09:01 – How long does a pre-approval last, and what happens if it expires?

09:25 – How pre-approval speeds up the formal approval process

10:34 – Your broker’s role: strategy, not just paperwork

12:50 – Top tips for a strong pre-approval

13:48 – The value of going through the pre-approval process

15:38 – What’s to come on next week's episode?

🎧 Listen now and learn how to take control of your buying journey.

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