Initially, I can arrange a pre-approval, which gives you a strong indication of how much you can borrow and allows you to shop with confidence. Once you’ve chosen an asset and submitted all the required documents, we’ll progress to full approval. Typically, the main thing that might prevent pre-approval from progressing to a full approval are issues with the asset, such as its age, valuation, or if there’s something concerning about the asset itself. I’ll guide you through every step to make sure everything runs smoothly.