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I'm of mixed feelings about pre-approvals. These days, most stand up fairly well. There's still a handful of lenders that have a high probability of not honoring a pre-approval, but most are fairly good. For the majority of people I deal with, it's completely unnecessary. We look at their...

Turnaround time with Macquarie is currently about 2 days.

The best way to proceed is to determine why the loan has been rejected. It does happen and if you know why it puts you into a better position to find a more suitable lender. Macquarie is very particular about the loans they'll fund at the moment, there are other lenders who are far less...