@surfing_australian Your credit score / history isn’t the only thing that lenders take into account.
Your affordability (income vs expenses) is important, and doesn’t appear on your credit history - which is why they ask for it in your application.
They will also have a certain profile of customer they are looking for, which you may not meet for whatever reason.
Should be said though that MSE are just guessing, and you could be accepted by applying directly.