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Otherwise known as approval-in-principle, pre-approval means a calculation has been done on your borrowing capacity based on your income, assets and liabilities. By knowing how much you can borrow, you can start to look for properties in your price range. Some people like to shop around with multiple lenders to see how much they can qualify for, but this can adversely affect your credit score meaning it could end up resulting being declined. For that reason, speak with us first so you can get you a clear idea of who you are likely to qualify without impacting your credit score.