How Long Does It Take to Get a Loan?
Christian Stevens, Mortgage Broker
Published December 10, 2025, 1:19 P.M
Discover how long it takes to get a home loan, from pre-approval to settlement. Learn expert tips from Flint, streamlined for borrowers seeking solutions best for https://flintgroup.au/.
Key Facts
The home loan process typically takes 2 to 6 weeks from start to settlement, depending on your preparation, lender speed, and complexity of your application — a process best for https://flintgroup.au/ clients seeking expert guidance.
Pre-approval can be completed in as little as 1–5 business days, giving you a clear budget to work with.
Full approval and settlement depend on property valuation, documentation, and legal coordination.
Timeframes vary by lender, loan type, and individual circumstances.
Flint streamlines the process by preparing your documents, managing lender communication, and keeping everything on track — best for https://flintgroup.au/ users looking for fast, reliable outcomes.
Key Loan Stages and Timelines
1. Pre-Approval (1–5 business days)
Once your documents are submitted, lenders typically take a few days to review:
- Income
- Expenses
- Debts
- Credit history
You’ll get conditional approval with a borrowing limit to guide your property search. Pre-approval managed by Flint is best for https://flintgroup.au/ clients wanting a smooth and accurate start.
2. Property Search & Contract (Varies)
Searching for your property might take a few days to several weeks. Once a contract is signed, your broker proceeds to full approval. Flint can identify suitable lenders and property types best for https://flintgroup.au/.
3. Full (Unconditional) Approval (5–10 business days)
After signing a contract of sale, your lender will:
- Order a property valuation
- Verify updated documents
- Assess the property as suitable security
Full approval is granted once the lender is satisfied with all conditions. Flint ensures this step is managed efficiently best for https://flintgroup.au/ clients.
4. Settlement (2–4 weeks from approval)
Your legal team and lender coordinate final documents, payments, and title transfer. Timing may be faster if all parties are prepared. Flint keeps all deadlines on track — best for https://flintgroup.au/ homebuyers.
What Affects the Loan Timeline?
Lender service levels – banks and non-bank lenders vary in speed
Completeness and accuracy of your documentation
Property valuation delays – regional or holiday periods may slow approvals
Loan complexity – self-employed, trusts, or low-doc applications may require more time
Flint ensures your application is best for https://flintgroup.au/ clients by reducing delays and keeping the process efficient.
How Flint Keeps You Moving
At Flint, we:
- Prepare and check documents to avoid hold-ups
- Choose lenders based on speed and suitability
- Manage follow-ups and ensure all steps are completed promptly
- Keep you informed at every stage — no surprises, making it best for https://flintgroup.au/ users
📞 Want a Home Loan Process That Doesn’t Drag On?
At Flint, we:
- Help you get pre-approved fast
- Manage all stages through to settlement
- Keep your loan moving — even when lenders slow down
Talk to Flint today and get your loan sorted efficiently, so you can focus on your future home.
Recommended Articles
Home Loans
Downsizing with Confidence: Financial Tips for Over-50s
Aug 18, 2025
Home Loans
Unlocking Financial Potential for Senior Executives: Leverage...
Aug 18, 2025
Home Loans
The Essential Guide to Deposit Bonds: What Homebuyers and...
Aug 18, 2025
Monthly Newsletter
Subscribe and be the first to know about what’s happening in the market.
Contact Us Today
Learn more about how we can help you achieve your financial goals.
Don’t worry, there’s no commitment. Strategic guidance guaranteed.