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Results matter. 15 enquires isn't a problem if you've got the portfolio to match. 15 enquiries with nothing to show for it is a problem. The discussion doesn't matter. In the most optimistic scenario you need 5% as a deposit, stamp duty and any mortgage insurance that can't be...

We've recently helped a client get two loans where he had 15 credit inquiries in the last 18 months. The initial application failed because we didn't know the full history, but it did give us the background to select a more appropriate lender. Many of the inquiries were various pre-approvals...