Hi there, Me and my partner at the moment, are looking at some properties as our first home to occupy. She is a full time hospitality manager with 49k and I am a PhD student with 32k governmental scholarship for 3 years fixed (tax free). Car loan for 370 pm for 2 years and paying a rent of 370 pw. Do we need loan preapproval before putting offer down for anything? Whats the best estimated interest rate we can land on? Cheers, Sia.