22/05/2026
https://hsagrowthpartners.com.au/pre-approval-vs-approval/
Your bank said yes 🎉 …but did they really say yes? Pre-approval and formal approval sound similar, but they're worlds apart - and confusing the two is how good deals fall over at settlement.
I've put together a plain-English guide to what each one means, what conditions to watch for, and how to move from "probably" to "definitely" without the eleventh-hour panic.