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Home Referral Partners Real Estate Agents

Stop Losing Deals to
Unqualified Buyers

By the Mortgagefy Team · Published 29 April 2026 · Last reviewed 29 April 2026

Buyers without pre-approval slow your deals down and make your vendor nervous. We help buyers work towards pre-approval, and we aim to reply the same day — so your deals have a better chance of proceeding smoothly.

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Free, no obligation. Conditions apply. Eligibility, lending criteria, fees and charges apply and vary by lender. General information only, not credit advice.

The Real Cost of an Unqualified Buyer

Every agent knows the pain. Weeks invested. Vendor expectation set. Then the deal collapses.

~1 in 4

Property deals in Australia fall over due to finance issues — the majority preventable with better pre-approval.

Indicative industry estimate. Source: MFAA/PIPA research data.

Weeks

Average time wasted when a deal falls over at the 11th hour — including lost commission, re-listing costs, and vendor disappointment.

Same Day

How fast we respond to every buyer referral. Your client hears from us the same business day — no waiting, no chasing.

Every Buyer Type — We Handle Them All

The big banks say no to a lot of buyers who are perfectly financeable through the right lender. That's where we come in.

PAYG Buyers

Standard full-time or part-time employees. Fast approval turnaround with major banks and specialist lenders.

Self-Employed Buyers

Sole traders, company directors, trust structures. We find lenders who assess income correctly — not just net profit.

First Home Buyers

5% deposit options, First Home Guarantee, stamp duty exemptions — we maximise every concession available.

Property Investors

Portfolio buyers, equity release, interest-only. We structure investment loans for maximum borrowing capacity.

Previously Declined

Buyers knocked back by major banks. We assess why and match them to a specialist lender who'll say yes.

Islamic Finance Buyers

Sharia-compliant home finance options available. We work with certified Islamic finance providers.

How It Works for Agents

Zero admin on your end. Your buyer is in expert hands within hours.

1

Introduce the Buyer

Literally a 30-second call or WhatsApp: "I have a buyer looking at X suburb, budget around $Y, they need pre-approval." That's it.

2

We Qualify & Pre-Approve

We contact the buyer, assess their full situation, and get them a genuine pre-approval — with a clear borrowing capacity they can shop with.

3

Your Deal Proceeds with Confidence

Pre-approved buyer. Confident vendor. Fewer conditions. We stay engaged through to unconditional approval and settlement.

Agent Partner Registration

Register as an Agent Partner

Takes under 2 minutes. Once registered, you'll have a direct contact line — referrals are as easy as a text message.

By submitting you confirm you've read our Privacy Policy. We'll reply within 1 business day.

Agent Partner FAQs

For a PAYG buyer with clean documentation, formal pre-approval can typically be achieved in 3–7 business days. For self-employed buyers, complex income structures, or specialist lenders, this may take 7–14 days. Same-day contact and preliminary assessment happen the day you refer them. We'll give you a realistic timeline upfront.

A bank decline is not the end of the road — it often just means the wrong lender was approached. We review the reason for the decline, assess the full picture, and match the buyer to a lender whose credit policy aligns with their situation. We've helped buyers get approved after being declined by two or three major banks. That said, some situations genuinely can't be fixed at this time, and we'll be honest about that too.

Never. We do not sell insurance, financial planning products, or any service outside our core broker function. Our job is to get your buyer's loan approved — nothing else. We don't upsell, cross-sell, or do anything that could slow the transaction or create a conflict of interest. Your relationship with your buyer stays intact.

Yes — we are accredited to submit applications under the First Home Guarantee (5% deposit, no LMI) and Family Home Guarantee. We also assist with NSW stamp duty exemptions and concessions for eligible first home buyers. First home buyers are one of our most common referral types and we're experienced at maximising their outcome.

Absolutely. A pre-approval gives the buyer a confirmed borrowing limit, not a property-specific approval. Your buyer can use the same pre-approval across multiple properties they're considering — as long as the purchase price and property type are within the approved parameters. When they make an offer, we convert the pre-approval to a formal application immediately.

Get your personalised answer in 2 minutes

Free, no obligation. We'll match you with the right lender for your situation.

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