A broker's client is buying their first home for $400,000 and will have an LVR of approximately 85%. The client has had two credit cards for many years but for the last 4 years has not used them, so although the client has a total credit card limit of $10,000, they owe $0 and have owed $0 for the last 4 years. The client does not mention to the broker that they have any credit cards so the broker submits the loan application reflecting no credit cards. The likely result of this is?