Nope! You can get a rate estimate without it impacting your credit scores. When you apply for a rate estimate, you authorise us to conduct an ‘Access Seeker’ request on your behalf, which allows us to review your credit reports without negatively impacting your scores. In a similar way to when you conduct a ‘soft check’ or ‘soft enquiry’ to check your credit scores , when you apply for a rate estimate, you give us permission to access the information we need to provide you with a personalised rate estimate tailored to your credit history. This process is technically recorded on your credit file, but it does not bring down your credit scores.  Only if and when you submit a loan application will a ‘hard’ enquiry be conducted. This will be recorded on your credit file and may impact your credit scores.