07/09/2026
"Am I pre-approved or conditionally approved?" β these two terms get mixed up constantly, and the difference actually matters.
Pre-approval: an early indication of what you may be able to borrow, based on limited information. Conditional approval: further along, more scrutiny, closer to the real number.
Neither is a guarantee β but knowing which stage you're at changes how confidently you can go house-hunting.
Not sure which stage you're at? Ask us.
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