Westpac Multiple Enquires

Discussion in 'Loans & Mortgage Brokers' started by Jay98, 8th Dec, 2020.

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  1. Jay98

    Jay98 New Member

    Joined:
    8th Dec, 2020
    Posts:
    1
    Location:
    WA
    Hi all,

    I've just lodged a home loan application with Westpac. Yesterday I noticed they have put two hard enquires on my credit file, first on the 14/11 (lodgement date) and another on the 01/12. my questions are
    • Is this normal?
    • Why would Westpac need to pull my credit file twice?
    • Will this have a negative affect on my credit score?
    Thanks in advance everyone, appologies if this is a silly question I am a FHB. o_O

    Cheers
     
  2. Redom

    Redom Mortgage Broker Business Plus Member

    Joined:
    18th Jun, 2015
    Posts:
    4,607
    Location:
    Sydney (Australia Wide)
    Not sure why / process sometimes creates it, or perhaps there’s multiple apps. Don’t think it matters too much and shouldn’t impact your ability to access credit in any meaningful way.
     
  3. Gov

    Gov New Member

    Joined:
    6th Oct, 2020
    Posts:
    1
    Location:
    Melbourne
    It should not really matter , Your score does not get impacted it a pull into your credit file is within 60 days by the same Vendor . I remember reading it somewhere in the blog . Will post the link when i find it .
     

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