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. Please ensure income and expenses are the same as what will be submitted in the application.