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  1. We are hoping to buy a piece of land that is due to come up for sale within the next couple of weeks. Went into the land sales office and they have told us in order to get the land we have to take a $1000 deposit and a pre-approval?? How do we go about getting a pre approval, do we just walk into a bank and ask for one? Went into westpac and had a chat to finance guy who then gave us a sheet of paper it says loan entitlement on the top and then $160,000 - is this a pre approval? also does itmean then that we can only purchase a piece of land up to $160,000? we told him we needed $230,000 for land but this is what it says on the sheet and we already know from seeing various other finance advisors that our borrowing capacity for house and land is $390,000 ...so why does it say $160,000 on the sheet?? Very confused, hope someone can help!!