In a situation where you're getting a loan approved and for whatever reason you decide to pull out of that process and apply for another loan, are there any detrimental ramifications? I don't mean your application gets rejected, I mean it's looking like it's going to get approved but you pull out before the actual approval. Will this ring alarm bells with future lenders? Or does it depend on what stage the application is up to? That is, if the broker has actually lodged the application or not? Say the application has actually been lodged and approved, if the applicant did not take up the offer, would this be a problem for another loan with the same or different lender? Any advice is appreciated.