Our conditional home loan pre-approval gives you an indication of how much you could borrow on a home before you start looking.  It means the Bank has confirmed your financial situation and we are prepared to give you a home loan up to the amount confirmed on your home loan pre-approval letter.  This approval is subject to meeting certain conditions, particularly on the type of property.  

There are advantages of getting a home loan pre-approval:

• It improves your bargaining power – with a home loan pre-approval you are in a stronger position because the seller knows you already have finance conditionally approved, so your offer is more attractive than one where the buyer may not be able to get the finance
• It gives you confidence because you know what you can afford, you also know you’re looking at houses in the right price range
• There’s no cost, no obligation and it’s valid for four months – our home loan pre-approval is completely free and if you don’t find a home you like, you don’t have to take out a home loan
• Your final application is easier – because you’ve done all the work upfront it’s easier when you finally find the home you want to buy.

Don't worry if you haven’t found the right home in four months, as long as your financial position hasn’t changed, we can arrange an extension for another four months.

How do you apply?
The National Bank gives you a choice of ways to apply for a home loan pre-approval, including;

• Online – apply now
• Through a Mobile Mortgage Manager who can come to you
• Through a home loan specialist at your nearest branch (contact us to make an appointment)
• Over the phone – call our lending specialists on 0800 185 185, 8am to 7pm on weekdays and 9am to 5pm on weekends.
  

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The content on our site is for information only. You should obtain professional advice relevant to your circumstances. Our lending criteria, terms, conditions and fees apply to all loans. Contact us for more details.