⚡ FAST-TRACK APPROVAL

Same Day Home Loan Pre-Approval

Get conditional approval in hours, not days. Our algorithm matches you to fast-track lenders from our lender panel. Esteb and Co provides credit assistance services and does not lend money directly.

Get Approved Today → See Timeline

Important Information

Esteb and Co provides credit assistance services. We are licensed credit representatives (ASIC Credit Rep #574070) who help you compare loan options from our panel of lenders. We do not lend money directly. All loan approvals are made by lenders, subject to their criteria and responsible lending assessments. Our service is free to you - we receive commissions from lenders. Read our Credit Guide

Why Same Day Approval Matters

Speed wins in competitive markets

🏘️

Hot Properties Sell Fast

In competitive markets, properties can receive multiple offers within 24-48 hours. Pre-approval shows you're ready to buy.

🔨

Auction Confidence

Can't bid at auction without pre-approval. Same day service means you can attend auctions this weekend.

💪

Stronger Negotiation

Sellers take you seriously when you have pre-approval. You're a cash buyer, not a "maybe" buyer.

😌

Know Your Budget NOW

Stop guessing what you can afford. Get certainty today and start shopping with confidence.

📖 Real Example

Jake applied at 9am Monday. Got matched to 3 fast-track lenders by 9:30am. Conditional approval from Macquarie by 3pm same day. Bid at auction Saturday and won. 🎉

How We Get Same Day Approval

Technology + fast-track lenders = speed

Algorithmic Pre-Screening

We analyze your situation against 83 lenders' policies from our lender panel. Esteb and Co provides credit assistance services and does not lend money directly. Only submit to lenders with 95%+ approval probability.

✓ No wasted applications
✓ Higher approval rates
✓ Faster processing

Fast-Track Lenders

We partner with lenders who prioritize speed:

✓ Bendigo Bank: Same day promise
✓ Macquarie: Under 24hrs
✓ ING: Digital-first, fast approvals
✓ ANZ: 1-2 day turnaround

Parallel Processing

Traditional brokers submit to 1 lender, wait, then try another if rejected. We submit to multiple pre-qualified lenders simultaneously.

⚡ Result: 3-5x faster

Complete Applications

Our system checks your application is 100% complete before submission. No back-and-forth for missing documents.

✓ Document checklist
✓ Validation before submit
✓ No delays

Same Day Approval Timeline

From application to conditional approval in one day

9:00 AM

Submit Application

Upload all documents via secure portal. Our system validates everything is complete.

9:30 AM

Algorithm Matching

Matched to 3 fast-track lenders with 95%+ approval confidence.

10:00 AM

Applications Submitted

Sent to all 3 lenders simultaneously for processing.

3:00 PM

✅ Conditional Approval

Macquarie approves $650K. You're ready to make offers!

What You Need for Same Day Approval

📄 For Everyone

ID (driver's license + passport/Medicare)
Last 3 payslips
Bank statements (3-6 months)
Employment verification letter

💼 Self-Employed

Tax returns (last 2 years)
ATO Notice of Assessment
Business bank statements
ABN registration

✅ Best Candidates for Same Day Approval

PAYG employees with steady income
Credit score 700+
Clear financial history
All documents ready

⚠️ May take longer if: Self-employed with complex structure, credit issues, or non-standard income

Same Day Pre-Approval FAQs

Is pre-approval guaranteed?

Conditional approval means the lender will lend to you, subject to property valuation. It's 95% certain. Unconditional approval comes after you find a property.

How long does pre-approval last?

Typically 3-6 months depending on the lender. Some offer 90 days, others 6 months.

Does it affect my credit score?

Initial assessment doesn't. Formal application does (one inquiry). Our matching system minimizes applications.

Can I get same day approval on weekends?

Some lenders process 7 days. Call us to see weekend options.

Get Same Day Pre-Approval

Compare 83 lenders. Get matched to fast-track lenders. Conditional approval in hours.

✓ Free service

✓ No credit impact (initial check)

✓ 95%+ approval confidence

Get Approved Today →

Richard (Ricky) Esteb

Licensed Mortgage Broker & Founder

Credit Rep #574071 ACN 681 636 056 83+ Lender Panel

With direct experience helping Australians secure home loans, car finance, and business funding, Ricky founded Esteb and Co to bring transparency and technology to mortgage broking. Every piece of content is written from real-world lending experience.

✓ Verified & Last Reviewed: December 2025 | Content meets ASIC regulatory requirements