Home Loan and Bond Origination

Pre-qualification gives you a rough idea of what you may be able to borrow based on your income, expenses, and credit profile. It is a helpful starting point before you make an offer on a property.

Most banks want your ID, proof of income, recent payslips or tax returns, bank statements, and details of the property you want to buy. If you are self-employed, extra business records may also be required.

The timeline can vary, but many applications move fairly quickly once the documents are complete. Delays usually happen when the bank needs more information or when the property details are still being finalised.

Yes, self-employed applicants can qualify. Lenders usually want more supporting documents, such as business financials and tax records, so the application can be assessed properly.

No. An enquiry is just the start of the process. The lender still needs to assess your documents, affordability, and the details of the property before approving the loan.

No. Solomon Capital is a bond originator and home-loan adviser. We help you prepare and submit your application to banks and guide you through the process, without acting as the lender yourself.