Azora runs a credit check upfront when the application is formally submitted. This is when the client's credit file is officially accessed and assessed.
To help avoid unnecessary credit hits:
Commercial:
Select 'New Quote' to run your scenario before submitting a formal application. The Quoting Tool provides an indication of whether Azora has an appetite for the deal, helping you avoid impacting your client’s credit file unnecessarily.
Consumer:
Select 'Serviceability calculator' to check your clients serviceability before submitting a formal application. The calculator is a guide only and you should always cross reference with our product policy. The clients risk grade may change depending on their comprehensive score.