u/Elegant-Operation990

When assessing serviceability for a home loan, I’m wondering how a bank can verify dependents. My partner and I currently have no children and are in the pre-approval process, but we are a few months away from having a kid. Two scenarios:

1.	If we get pre-approved now and the baby arrives before we purchase, does that void the pre-approval?

2.	If the baby arrives first and we exchange contracts to buy a week later, how does that affect the application?

Thanks in advance