Pre-qualification vs full approval — what's the difference?

When a partner bank quotes you a rate via Habivista, that quote is indicative. Translation: it's the bank's best guess based on the summary you submitted. The actual offer is set during full underwriting, which the bank handles directly.

What pre-qualification covers

• Affordability check — does your stated income support the requested loan at the bank's typical rates?
• Document checklist — what you'll need to provide for full application.
• An indicative rate band, tenure, and deposit expectation.

What pre-qualification does NOT promise

• The final rate (which can move with Bank of Ghana policy or your verified profile).
• Approval — banks underwrite to their own credit standards.
• A property valuation — that's a separate step the bank arranges later.

Why we still publish indicative numbers

Comparable indicative rates from multiple banks save you weeks of separate enquiries. You can reject the underwhelming offers without ever telling a salesperson "no" twice.

Next step

Pre-qualify at /mortgage/apply. Allow 3–7 working days for partner responses.