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The pre-approval is about protecting your 'character' in the eyes of the lenders. If you apply for multiple pre-approvals, it looks like you've been really active in searching for finance. This generally looks bad and can really hurt your chances of approval. Best to only get it when...

People have been saying that for years! SWS may be in for a slower growth period than the previous few years - but any great 'crash' is unlikely.