Your pre-approval

Now you’ve got your deposit sorted, it’s time to get a pre-approval so you know exactly what price range you can start looking at.

A pre-approval gives you confirmation that you’re approved up to a certain sum of money, based on certain conditions. We’ll determine what you can borrow based on all the information you can provide us, like your current assets, income, savings, expenses and debt.

What you'll need to provide

When you're ready to get pre-approved, you can either complete our online home loan application form, or talk to one of our lending specialists to discuss your home loan options, ask any questions and determine if a TSB home loan is right for you.

You'll need to provide details around your savings and expenses, as well as the following documents and information:

• Three most recent payslips for each applicant, to verify your income.
• Your last full three months of bank statements for each applicant's primary transactional accounts and credit cards not with TSB, to verify your expenses. If your primary accounts are already with TSB, you do not need to provide this. These must be PDF statements downloaded from online banking or provided by your bank (we’re not able to accept scans, paper copies, or any other file types).
• If your income is not paid into your primary transactional account, we'll also need your last full three months of bank statements for the account(s) each applicant's income is paid into.

If more documentation is required to support your application, we’ll get in touch with you.

Once you’ve received a pre-approval from us, you can confidently look for properties in that price range.