Mortgage Business Podcast Network: Recent Episodes
Momentum Media
The Mortgage Business Podcast Network provides insights and analysis of the biggest themes shaping Australian mortgage distribution.
In Mortgage Business Uncut join Alex Whitlock and Annie Kane each Monday afternoon as they delve into the headlines and developments affecting mortgage distribution and mortgage broking.
In Mortgage & Finance Leader, catch up with the leaders of Australia’s mortgage market in one-on-one interviews revealing the evolution of the biggest companies in the sector and what the leaders think the future holds for mortgages and mortgage broking.
In this latest episode of Business Accelerator, host Phil Tarrant and co-host Jason Back highlight that innovation goes further than tech.
The broker of the future isn’t just a loan processor – they’re a financial architect, guiding clients through wealth creation, debt reduction, and multi-generational planning.
Innovation doesn’t always require massive disruption. Sometimes, it’s about refining small processes.
In a special episode of Finance Specialist, the usual crew is joined by FBAA’s national commercial and asset manager, Steve Ragany.
The discussion covers plenty of areas, but most importantly, the power of continuous education.
The finance broking industry is dynamic, requiring ongoing development and diversification. Brokers who embrace change, leverage technology, and prioritise client relationships will thrive.
As the market switches from digital prime to AI prime, brokers are faced with a challenge. In this special episode of Broker Daily Uncut, data and AI executive Silvio Giorgio and CEO and managing director of Borg Financial, MyVirtualBroker, and Raine&Horne Shoreline, Christopher Borg, discuss AI and its impact on modern lending. AI will replace jobs, but remaining on the front foot and leveraging this tech to drive momentum will separate the industry. While the need for human connection will remain, the state of broking as we know it is at an inflection point. Both Giorgio and Borg are keynote speaker at the Broker Innovation Summit on 25 June. To secure your tickets now, click here.
In this latest episode of Business Accelerator, host Phil Tarrant and co-host Jason Back discuss the often-complex industry that is broking, giving a bird’s eye overview of the opportunities and challenges.
For brokers looking to grow their businesses, Back emphasises the importance of operational excellence and the need to balance personal exertion with sustainable practices. He also discusses the role of consultants in helping brokers navigate these challenges, providing accountability and support to drive meaningful change.
Technology continues to shape the industry at a rapid pace. Brokers who want to remain ahead of the tech revolution must adapt to these changes. The ongoing need for trusted partnerships in financial decision making remains crucial, even as technology continues to transform the industry.
In the latest episode of the Finance Specialist podcast, hosts Jack Campbell and Trent Carter delve into the pressing issues facing SMEs in Australia, particularly focusing on cash flow challenges.
The discussion is both timely and crucial, as recent data highlighted the financial struggles many Australian SMEs are currently enduring.
The role of commercial finance brokers in these tough times is critical. With the end of the financial year approaching, it is an opportune time for brokers to engage with their clients, ensuring that their funding needs are met.
The team also touches on the strategic importance of cash flow forecasting. Carter advocates regular forecasting, not just at the end of the financial year, but whenever significant business changes are anticipated.
ASIC, as of today (10 June), will regulate BNPL like any other credit product. This is big news for brokers and borrowers as these services could affect borrowing capacity.
The Broker Daily team unpacks the reforms in this week’s episode of Broker Daily Uncut.
Financial responsibility is a key theme of the episode. Co-host Phillip Tarrant urges parents to teach their kids to be financial fluent as schools often disregard these important life lessons.
Not all great mortgage brokers are natural leaders, but the good news? Leadership can be learned.
This was the topic of discussion in this latest episode of Business Accelerator with Jason Back and Alex Whitlock.
Here, the pair relay the key skills needed to be an effective leader. Great leadership isn’t just about being in charge – it’s about creating an environment where your team thrives, clients trust you, and your business scales.
Tech is imperative for the modern business. But where do you begin? This was the topic of discussion in this latest episode of Finance Specialist.
Figuring out what problem you’re trying to solve is an important first step. Having a game plan will help make the transition as effective and stress-free as possible.
It can help to lean on those in the industry who may be more accustomed to using the latest tech. Seeking support and a second opinion is never a bad idea.
In this week’s episode of Broker Daily Uncut, host Jack Campbell and co-host Phillip Tarrant discuss the record-breaking figures to come from the MFAA, penning mortgage broker market share at 76.8 per cent.
With recent headlines questioning the value of brokers, this timely data reinforces just how crucial the third-party channel is.
Borrowers continue to favour brokers due to the unrivalled expertise they provide. With market share steadily increasing each quarter, it may not be long before it reaches a milestone of 80 per cent.
Historically, brokers scaled by hiring more staff, but AI and automation now allow smaller teams to handle higher volumes efficiently.
This was the topic of discussion in the latest episode of Business Accelerator. Here, hosts Alex Whitlock and Jason Back unpack how to effectively leverage AI and tech to scale and grow a brokerage.
However, tech efficiency must be balanced with human connection. Relationships should remain the ultimate consideration.
In this latest episode of Broker Daily’s Finance Specialist, host Jack Campbell and co-host Trent Carter are joined by Interim Finance BDM Isaiah Tait.
The team unpacks leftover broker questions from the recent Commercial Finance Masterclass.
From tips on how to get accredited with a lender to best practice for entering the commercial finance side of broking, Tait and Carter give some expert analysis and advice.
Following the Reserve Bank’s long-awaited and highly anticipated cash rate drop, lenders have begun implementing interest rate cuts.
Despite this, the effects of this cut aren’t likely to be felt for some time, as discussed by Jack Campbell and Alex Whitlock in the latest episode of Broker Daily Uncut.
The pair delve into the effects of an interest rate cut on the property market. With recent reports of one in three homes worth upwards of $1 million, it’s going to take more than one or two cash rate drops to provide tangible relief for borrowers.
The importance of customer service and the power it has to capture and retain clients was the topic of discussion in this week’s episode of Business Accelerator.
Clients today expect instant engagement. Responding within five minutes of an inquiry significantly boosts conversion.
Further to that, communication must be upheld. The biggest client grievance isn’t about rates or fees – it’s lack of communication.
In a digital age where automation risks making service feel impersonal, brokers who prioritise human connection will thrive.
End of financial year (EOFY) is fast approaching. For brokers, this means clients may be looking to the year ahead, planning budgets.
In this latest episode of Finance Specialist, co-host Trent Carter outlined how important it is to be prepared for this busy period. It pays to be proactive by engaging with clients prior to the start of the financial year. This will ensure a stronger service and less chance of being overwhelmed.
In this latest episode of Broker Daily Uncut, the team discusses the upcoming RBA cash rate call.
Signs are pointing to a cut. If this happens, brokers should expect an influx of customers.
From first home buyers to SME operators, investors, and those looking to refinance, everyone will be watching the decision closely.
In this latest episode of Business Accelerator, host Alex Whitlock and co-host Broker Essentials’ Jason Back give some guidance on how to turn knowledge into action to drive development.
Breaking down a brokerage is an important foundational step. There are a variety of directions a business can go and what is ‘right’ will depend entirely on the individual’s aspirations.
However, Back said there are some core fundamentals that can help drive success. Prioritising one action at a time and managing the small wins is key to driving sustainable growth.
The financial landscape in 2025 has been defined by one word: uncertainty. From shifting global trade policies to domestic rate cuts and a federal election, borrowers and brokers alike are navigating a complex and ever-changing market.
In this episode, John Flavell (managing director, Wave Money) and Tyler Peters (head of lending) sit down with Broker Daily to discuss the impact of current global and local market conditions on lending practices and broker-client relationships.
- Market uncertainty: A key theme explored is the ongoing global economic volatility and how it affects both borrowers and lenders in Australia.
- Brokers’ critical role: The increasing demand for brokers as reliable advisers in uncertain times is highlighted. Flavell and Peters discuss how brokers are offering crucial insights to borrowers facing complex lending scenarios.
- Wave Money’s unique proposition: Wave Money continues to offer flexible, bespoke lending solutions to self-employed and business borrowers who may struggle to access credit from traditional banks. Peters shares real-life case studies of clients who benefitted from Wave Money’s human-driven underwriting process.
- Key lending insights: Learn about Wave Money’s approach to complex scenarios, including how they handle tax debts, underwriting for self-employed borrowers, and working with brokers to find solutions.
This latest episode of Finance Specialist introduces an upcoming Commercial Finance Masterclass focused on SME lending, hosted by Accendo Financial’s Trent Carter.
This episode emphasises that SME broking is about expertise, not just transactions. The masterclass aims to equip brokers with the confidence and skills to thrive in this space.
The masterclass will provide in-depth training for brokers looking to specialise in SME finance, covering practical skills, financial analysis, and business-building strategies.
The event will be hosted in a live session on 21 May, with interactive elements, Q&A, and workbook exercises.
The upcoming Broker Innovation Summit and Awards, set to take place on Wednesday, 25 June in Sydney, have been designed to help brokers navigate technological change and to recognise innovation across the broking ecosystem.
Joined by Michael Magee, the Broker Daily Uncut team unpack the exciting happenings set for the summit. The agenda is tailored to both experienced and emerging brokers looking to make sense of today’s fast-changing tech landscape.
Alongside the summit, the Broker Innovation Awards will celebrate industry leaders embracing innovation in areas such as customer service, operational efficiency, and business growth.
Gone are the days when clients were satisfied with an annual check-in or a Christmas card. Today’s borrowers expect real-time updates, constant digital engagement, and personalised interactions.
This episode of Business Accelerator with Alex Whitlock and Jason Back explored the constant flux of consumer needs and how important it is for brokers to be aware of a shifting market.
Brokers must move beyond transactional relationships and focus on ongoing engagement, whether through monthly market updates, milestone celebrations, or interactive tools.
The one-size-fits-all approach no longer works. Successful brokers now segment their audience, develop deep expertise in specific areas, and create hyper-personalised content.
Brokers and aggregators who take advantage of data are better equipped to engage new clients, retain their services, and predict property changes. Brokers who can win trust by educating on the insights that matter stand to provide a more comprehensive service for borrowers.
This was the topic of discussion in this latest episode of Broker Daily Spotlight. Here, PropTrack’s head of product mortgage solutions, Cam Taylor, described how it is helping aggregator groups leverage unique data to equip their brokers with digitally native tools that then predict, engage, nurture, and close more deals.
Taylor drove home the importance of leveraging data to better service clients as their needs and decision- making process evolve. Brokers who understand market trends as well as movement within their own portfolio are better placed to elevate their role and grow their back book.
PropTrack is making some exciting moves in this space through the use of predictive modelling and listings alerts. This allows for a tailored and unique customer experience that provides insight before it even occurs, and helps your brokers be proactive about retaining their clients and growing their portfolio.
At its core, compliance isn’t just about ticking boxes. It’s about protecting your business, your clients, and your reputation.
This was the topic of discussion in this episode of Finance Specialist. Host Jack Campbell and co-host Trent Carter delved into the world of risk management.
Risk and compliance are ever-changing, especially in the modern market where rises in technology and shifting regulation are keeping brokers on their toes.
Remaining ahead of the curve can be a competitive advantage and save time and headaches when things inevitably go wrong.
Labor has come away with the win after a landslide victory over the Coalition in the weekend’s federal election.
Now, the Albanese government will need to make good on the promises made in the election build-up.
This was discussed by the team in the latest episode of Broker Daily Uncut. Here, the hosts outlined the policies impacting housing.
Also touched on were the recent conversations around switching aggregators. The process is filled with challenges and can result in stunting the growth of brokers.
The mortgage broking industry has come a long way since its early days in the 1990s, when brokers relied on paper files, hand scanners, and in-person meetings.
In this latest episode of Business Accelerator, Alex Whitlock and Jason Back explore how broking has evolved and where it’s headed next.
Brokers once spent hours collecting physical documents and driving to client meetings. Today, digital tools enable instant approvals, e-signatures, and virtual consultations. Yet, despite these advances, the core value of brokers remains unchanged.
Modern borrowers expect quick updates, personalisation, and seamless communication. Younger clients prefer texting and apps, while older generations may still value phone calls. Brokers must adapt their engagement strategies to meet these preferences.
Seasonal trends are likely to have an impact on the operations of SMEs. For finance brokers, this is something to remain aware of.
In this latest episode of Finance Specialist with Jack Campbell and Trent Carter, the duo discuss the latest impacts on small business and what it means for borrowers.
With an election right around the corner, interest rate cuts expected, a busy period full of pubic holidays, and global uncertainties, it can be a volatile time for SMEs.
Effective brokers help clients manage the highs and the lows through effective guidance and service.
It’s officially election week with voters taking to the polls on 3 May. The industry will surely be preparing for election promises to be enacted depending on the outcome.
This was one of the topics covered in this episode of Broker Daily Uncut. Host Jack Campbell was joined by co-hosts Alex Whitlock and Phillip Tarrant to give some speculation into the outcome of the election.
Also touched on was BOQ and the future of the broker channel. With home loans from brokers on pause since August 2024, the future is uncertain and some believe an exit is likely, while others disagree.
In this latest episode of Business Accelerator, host Alex Whitlock is joined by Broker Essentials’ Jason Back to delve into the current market influencers that are impacting how a broker operates.
An election, high interest rates, uncertain economy, and a volatile market are all having an impact on the day-to-day for brokers.
Successful brokers must learn to keep development strong despite a challenging environment. Success comes from hard work, deep client relationships, and resilience – not quick wins.
With recent results from the Bank of Queensland (BOQ) showing an increased focus on the proprietary channel and no updates for its broker channel pause from August 2024, signs point to an exit from third- party.
In this latest episode of Broker Daily Uncut, host Jack Campbell unpacks the announcement with co-hosts Alex Whitlock and Phillip Tarrant.
The future of brokers and BOQ is vague and unconvincing. Brokers are understandably concerned and many are just asking for some transparency.
In this latest episode of Business Accelerator, host Alex Whitlock and co-host Jason Back unpack the volatile state of the economy and how it can impact how brokers operate. Geopolitics, an upcoming election, and interest rate drama have culminated in a cocktail of uncertainty, making it a stressful time for brokers.
These factors have the potential to impact loan books. Brokers must prepare for some shifts in client attitudes and prepare for the risks that can emerge.
Brokers have countless avenues available to them when building a career. Whether solo, at a brokerage, or running a business, there are a variety of business models that have unique benefits and disadvantages.
Further to the business model, there are plenty of lending options available. This was the topic of discussion in this latest episode of Finance Specialist.
Host Jack Campbell was joined by Accendo Financial’s Trent Carter to discuss how to settle on a business model.
There is no right or wrong answer, as the individual should determine what works best for them. However, strategy must be implemented and half-heartedness removed if a broker is to build a successful brand.
Each party is continuing attempts to win over voters in the lead-up to the election with housing-related policies.
In this latest episode of Broker Daily Uncut, host Jack Campbell was joined by co-hosts Phillip Tarrant and Alex Whitlock to chat through the latest announcement from the Labor and Coalition governments.
Busy times on the horizon for brokers as we approach the federal election and the long-awaited RBA cash rate meeting in May. Each of these events is likely to impact how brokers work.
In this latest episode of Business Accelerator, host Alex Whitlock and co-host Jason Back outline the strategy needed to be an effective broker.
The modern market shifts constantly and brokers must be adaptive and vigilant of these changes.
Tech is having a major impact across all industries and broking is no exception. AI and automation are changing how tasks are performed and brokers must harness the potential to remain competitive.
The pair also discussed excelling as a business owner. This starts with mapping out a growth plan, seeking mentorship, and prioritising foundational strengths.
The pandemic forced many industries to adopt remote and hybrid work structures. Now off the back of COVID-19, some brokers are choosing to remain virtual.
Accendo Finance's Trent Carter discussed these themes in this latest episode of Finance Specialist. His business has gone fully remote, the benefits of which are massive overhead cost savings.
Despite this, Carter said there still needs to be connection. While some clients are fine to engage over video call, others can benefit from face-to-face time. This can come in the form of visiting their business or home.
This practice of showing up to where they live or work can also give a broker insight into how they operate, strengthening the ability to service them.
In a special episode of Broker Daily Uncut, recorded from the floor at the Better Business Summit in Sydney, two top- performing brokers discuss what’s influencing the industry, for better or worse.
First though, Cloudstaff’s director of property service APAC, Paul Findlay, and Broker Daily’s partnerships manager Lizzie Whitlock discussed the happenings of the event.
With hundreds of brokers packing the summit and sharing insights with the team, the pair were excited to see such a thriving and friendly industry come together.
The second part of the podcast brought together Dr Lisa Bridgett, director and principal broker at Stellar Finance Group, and Candice Joseph, director and principal broker at Entourage.
These top performers discussed the opportunities and challenges facing the industry in 2025, with both agreeing tech will help pull brokers through tough times, especially amid an ever-changing regulatory environment.
Some brokers aim to build large-scale businesses, with $100 million-plus loan books, while others prefer a smaller, client-focused practice with better work/life balance. Neither of these paths is more successful than the other. It all depends on the individual's goals.
This was the topic of discussion in the latest episode of Business Accelerator, where host Alex Whitlock was joined by Jason Back.
The pair delved into the measurements of success. Financial, lifestyle, or entrepreneurial ambition all play a factor in determining success. What is important to one broker may not work for another.
Brokers must set measured, personal goals. Whether running a solo operation, operating a brokerage, or joining a larger organisation, each has distinct advantages and disadvantages.
Brokers servicing SME clients can benefit from having an understanding of risks and value drivers.
This was the topic of discussion in this latest episode of Finance Specialist. Here, host Jack Campbell was joined by Trent Carter and John Sgambelluri from Accendo Financial to unpack some actionable tips for navigating business valuation.
Sgambelluri outlined how target multiples and diversification can help in performing effective evaluation of companies.
Developing a strong understanding of what makes the business tick can help brokers provide a more beneficial service and keep clients informed and engaged.
In this episode of Broker Daily Uncut, host Phillip Tarrant is joined by CBA’s general manager of third-party, Baber Zaka, to discuss the how the major is overcoming perceptions and reinforcing a strong commitment to the broker channel.
The conversation delved into an admitted lack of transparency with brokers. Zaka understands the broker proposition is a crucial component of the loan market and CBA is continuing to invest effort into the channel.
CBA wants to be dominant in proprietary, digital, and broker-originated loans. Zaka said that while the investment in these other channels will continue, so too will the broker proposition.
Now, the major is working to rebuild trust and transparency with brokers. Through visibility and engagement, Zaka said there is a big push to connect with its broker partners.
Depending on the business model a broker works under, profitability can vary dramatically. Solo practitioners, boutique brokerages, and large firms all face unique challenges.
In this latest episode of Business Accelerator, Alex Whitlock and Jason Back outline how to navigate profitability, no matter which model applies.
Transitioning from a solo broker to a business owner involves higher stress, overheads, and hiring costs. Scaling requires lead generation and shifting from “doing” to strategic leadership.
With anticipation ramping up for the upcoming federal election, many are keeping a keen eye on the policies and promises given, particularly regarding the nation’s SMEs. In this latest episode of Finance Specialist, hosts Jack Campbell and Accendo’s Trent Carter discussed the range of government policies, such as Labor’s new national small business strategy, and how they will affect Australia’'s small businesses.
Additionally, Campbell and Carter unpack economic uncertainty around international tariffs, along with some advice for brokers to help them navigate the ever-changing economic landscape.
First home buyers and low- to middle-income earners will be happy with recent changes to the Help to Buy scheme, making the financial burden of taking out a mortgage that little bit easier. This was the topic of discussion in this latest episode of Broker Daily Uncut, with Jack Campbell and Alex Whitlock.
Also discussed was the recent payroll tax inquiry held at NSW Parliament. The outcome is up in the air but still has brokers heated as the implications could be severe for the industry.
In this latest episode of Business Accelerator, Alex Whitlock is joined by Broker Essentials’ Jason Back to discuss profitability for the modern broker. Back said that making money is becoming harder as market share hits record highs and overheads add pressure.
For a broker wanting to go solo, it can be daunting. Back unpacks some tips for staying profitable amid uncertainty.
Alt doc is an important offering in the lending ecosystem. However, brokers who immediately jump to these types of loans could be disadvantaging clients. This was one of the topics of discussion in this latest episode of Finance Specialist. Filling in for Jack Campbell, Alex Whitlock unpacked this trend with Accendo’s Trent Carter.
While Carter said he certainly isn't anti-alt doc, he understands that it isn't always the best option. Some brokers may fall into the trap of going down this path due to its fast and simple nature.
Carter urged listeners to really determine what is the best option for the borrower. Understanding who you’re representing is crucial for commercial and finance brokers.
Every couple of years, there’s a new controversy that rocks the broking world. Recently, it was misinformation on broker commissions. Could this be the fault of biased journalism? In this episode of Broker Daily Uncut, the team discusses the “beat ups” that brokers endure through the media and how despite some negative press, the industry comes through unified.
With market share at record highs, the drama surrounding some of these jabs appears to only embolden brokers.
Also touched on was the current state of cyber security. It’s becoming harder and harder to mitigate risks as cyber criminals become more advanced and risks continue to sprout up.
In this episode of Business Accelerator, with Jason Back and Alex Whitlock, the duo discuss the best methods for driving growth amid shifts in the market. Marketing and communication are extremely important for winning new clients and brokers must put effort into how they present themselves to consumers.
It pays to know your audience. Don’t just assume – drive connection. Brokers must strive for “relentless client engagement”, Back said.
The news has been constant in the broking world. With changes around every corner and trends fluctuating constantly, brokers can have a tough time servicing clients effectively. Trent Carter and Jack Campbell delve into this uncertainty in this latest episode of Finance Specialist, where Carter drives home just how important it is to be across clients’ needs and market trends. It’s a collaborative effort.
The duo also discuss the importance of non-banks in the SME lending space. With high satisfaction scores among these lenders, these offerings are finding an audience and flourishing.
The broking industry can pat itself on the back after reaching a record-high 76 per cent market share. In this episode of Broker Daily Uncut, Phil Tarrant and Alex Whitlock unpack the milestone involvement and ponder on the possibility of reaching the coveted 80 per cent mark many are predicting.
Also touched on was the current state of property investment scrutiny. What has been described as a “delicate balancing act,” legislation needs to be careful not to alienate any particular cohort in what is a divisive topic.
In this latest episode of Business Accelerator, Alex Whitlock and Jason Back discuss the constant evolution of the broking industry and how there is opportunity to capitalise on this change.
As interest rates fluctuate, cost-of-living pressures mount, and regulation is introduced, the borrowing habits of clients will change.
Back said that humans generally aren’t a fan of change, which can affect them in various ways. It’s up to brokers to work through the change and support clients in uncertain times.
AI and tech are massively beneficial for the modern broker to streamline processes. It’s not replacing, but enabling more client-facing time. This was the topic of discussion in this latest episode of Broker Daily Spotlight, where Lendi Group’s co-founder and CEO David Hyman and co-founder and chief operating officer Sebastian Watkins delve into the advancements in tech happening across the business.
This tech isn’t here to replace brokers, which was cemented by the pair. Instead, Lendi Group is “keeping home loans human”, utilising these advancements to allow brokers more time to connect personally with clients.
In this latest episode of Finance Specialist, private lenders were the topic of discussion. These niche offerings provide valuable choice for consumers. The stigma that can surround these lenders isn’t unfounded, but should not deter brokers and borrowers whose needs fit the proposition.
Also touched on was how to establish yourself in SME lending. It can be as easy as approaching residential clients and inquiring about any business loans they may require. The relationship is already there, making it an easy win.
Aggregators are at an inflection point of major change. Acting as a catalyst to this change is technology.
In this episode of Broker Daily Uncut, hosts Alex Whitlock, Phil Tarrant, and Jack Campbell delve into what is described as the ‘golden age’ of aggregation.
Cutting-edge technology is what can pull groups through times of immense change and cement them as key players among a myriad of aggregators.
A recent report has highlighted how the value, demand, and importance of brokers have grown over the last decade. In this episode of Business Accelerator, Alex Whitlock and Jason Back chat about why brokers should continue to push through what’s familiar and use their various relationships to learn about niche solutions and better serve their clients.
Brokers should strike while the iron is hot, avoid complacency, and expand their knowledge base as much as possible.
Non-bank lender RedZed is planning for growth in the wake of the RBA’s first cash rate cut in over four years. Joining Broker Daily Spotlight, managing director of RedZed, Calvin Cordle, discussed the company’s opportunity to empower brokers and service borrowers after committing to the 0.25 per cent interest rate drop.
The role of non-bank lenders is important and Cordle drove home what RedZed is doing to set itself apart from traditional lenders, providing choice and specialised services for brokers and their clients.
In this episode of Finance Specialist, hosts Jack Campbell and Trent Carter discuss the RBA dropping the cash rate by 25 bps and how this decision is likely to impact brokers. Consumer confidence is likely to rise and in turn brokers should expect an influx of customers. One major benefit will be businesses receiving some much-needed relief as spending climbs, prompting a need for solid commercial and asset finance brokers to service their loan needs.
Also touched on was the role of tech and how brokers are leveraging it to drive efficiency. Despite this, in the commercial space, there is a lack of powerful tools, showing how there isn’t the same attention that is granted to residential lending.
Like clockwork, the parties seem to wait until election season to secure votes by enacting meaningful policy. In this episode of Broker Daily Uncut, the team discusses the promises made by both Labor and Liberal governments as we approach the federal election.
Housing has become a key concern for both parties and has the potential to sway voters significantly.
Brokers provide a tailored service and as such must have a comprehensive understanding of the products they’re discussing. In this episode of Business Accelerator, the team delves into the importance of staying informed on products, lenders, and relationships to deliver top-notch service.
Having a diverse understanding of not only the traditional pathways, but niche and boutique solutions, means that diverse borrower needs are met.
What separates a good broker from a great broker is the appetite to learn. Those who become complacent and think they’ve unlocked all there is to know are only disadvantaging themselves and potentially their clients. In this episode of Finance Specialist, hosts Jack Campbell and Trent Carter unpack the importance of constant upskilling.
Staying curious and prioritising continuous learning and development can keep a broker effective. In the ever-changing industry where new policy and regulation are unrelenting, it pays to stay alert and pushing upward.
In this episode of Broker Daily Uncut, Phil Tarrant, Alex Whitlock, and Jack Campbell discuss the ongoing channel conflict disagreement between brokers and the majors. With broker market share around 75 per cent, is it really that big of an issue
Pricing discrepancies continue to be a major concern in the conflict and could stand to undermine brokers.
Also touched on was the upcoming RBA cash rate call. Are we on the eve of a long-awaited cut or will we be on hold until the next meeting in May?
Bluestone Home Loans is celebrating a quarter century milestone, with the broker channel recognised as an important component of this success. In the latest episode of Broker Daily Spotlight, the non-bank lender’s chief commercial officer, Tony MacRae, reflects on the growth achieved over these years, announcing a “refresh” of the Bluestone brand.
Looking to the future, Bluestone plans to expand and innovate, with a strong emphasis on continued support for the broker channel and borrowers.
As a thank you to their broker network for 25 years of trust and support, Bluestone has a limited time offer to help you deliver a “yes” to even more clients. Get 0.25 per cent p.a. off interest rates on new applications.*
*Applies to new applications submitted from 10 to 28 February 2025 and settled within six months. Applications subject to credit assessment, eligibility criteria and lending limits. Terms and conditions, fees and charges apply.
We are just one week away from the long-awaited meeting of the Reserve Bank of Australia and plenty of economists are predicting a cut for the first time in years. In the latest episode of Finance Specialist, Jack Campbell and Trent Carter discuss the implications of this decision, and how not everyone wins from a rate cut.
Still, consumers shouldn’t expect changes overnight. While a cut is welcome news for many, it could take a while before any real outcomes are recognised.
In the latest episode of Broker Daily Uncut, the team discuss commercial and finance lending, and why brokers who “dabble” in this area could put clients at risk. Brokers need to be on top of regulation and compliance. Those who write commercial and finance loans on a whim, without the proper knowledge, could put clients’ finances at risk.
Also touched on was the upcoming RBA rate call. With one week to go, the long-awaited cut could be within reach.
In this episode of Business Accelerator, hosts Alex Whitlock and Jason Back discuss the increasing reliance on technology. While it can certainly be a benefit to brokers, don’t let it remove the human touch. Relationship building is a must for brokers and no matter how streamlined a process can be made through tech, these connections must be maintained in order to keep clients feeling heard and satisfied.
Back urged brokers to segment clients (e.g., first-time buyers, investors) and tailor communication strategies to their specific needs and pain points. This includes anticipating client concerns and offering solutions before problems arise.
This episode of Broker Daily is Part 1 of a special four-part series where hosts Jack Campbell and Alex Whitlock host a roundtable conversation with John Flavell, managing director and founder of non-bank lender Wave Money. The conversation is free flowing and covers a range of relevant topics including:
- Flavell talks about his extensive 30-year career working in a range of roles across the mortgage lending industry and how that experience has shaped his strategy and approach when founding the Wave Money business.
- The differences between bank and non-bank lending and how Wave Money’s exclusive focus on the broker channel and delivering value to end customers sets it apart.
- The growing preference for mortgage brokers and the importance of their role in providing solutions to complex financial situations.
- Wave Money’s focus on the self-employed market and their ability to offer tailored lending solutions for borrowers with diverse income structures.
- The significance of relationships in lending, both between brokers and lenders, and brokers and their clients.
- The outlook for borrowers and small businesses in the current market, considering factors like interest rates, inflation, and the tight property market.
Show Links:
- John Flavell’s LinkedIn profile: https://www.linkedin.com/in/johnflavell/
- Wave Money company page: https://www.linkedin.com/company/wavemoneyaustralia/
- Wave Money website: https://www.wavemoney.com.au/
- Jack Campbell’s LinkedIn profile: https://www.linkedin.com/in/jack-campbell-300594246/
- Alex Whitlock’s LinkedIn profile: https://www.linkedin.com/in/alex-whitlock-broker-daily/
- Broker Daily company page: https://www.brokerdaily.au
In this episode of Finance Specialist, join Broker Daily editor Jack Campbell and Accendo’s Trent Carter as they explore the world of SME lending. From servicing clients to developing strong relationships, brokers have the opportunity to make a long-lasting impact. Lenders often lump SMEs into broad categories, which can lead to smaller businesses receiving less personalised service compared to larger ones. This creates opportunities for brokers and non-bank lenders to fill gaps, especially for niche needs like invoice financing.
Brokers must build trust by being honest and transparent with clients, helping them achieve their goals while managing expectations. Overall, the discussion emphasises the importance of personalised service, education, and strategic planning in helping SMEs navigate their financial challenges.
In the latest episode of Broker Daily Uncut, hosts Jack Campbell, Phil Tarrant, and Alex Whitlock discuss the increasingly annoying red tape for property investors. The latest toilet debacle is another bit of compliance that is leaving some investors disillusioned with it all.
Also touched on was the long-anticipated February cash rate call from the RBA. Many are penning a cut at the meeting. Will we see some relief or will a hold cause further stress?
Many entrepreneurial brokers will have growth targets in mind, which may begin modest. Once these targets are reached, how can you keep this momentum going? These themes were discussed in the latest episode of Business Accelerator. Here, Alex Whitlock and Jason Back jump into tips and tricks for scaling a business.
After overcoming the fear of hiring staff and outsourcing, business owners might begin seeing an increase in business volume. At this point, the challenge becomes handling the growing workload. The importance of thoughtful decision-making when scaling a business and managing staff to ensure sustainable growth and success cannot be understated.
In this brand-new podcast series Finance Specialist, Broker Daily is teaming up with Accendo to provide insights into the often-overshadowed world of commercial and asset finance broking.
The conversation features Trent Carter, who highlights the potential for growth in the SME market, despite it being less popular among brokers. He emphasised the importance of understanding different industries, managing cash flow, and offering tailored solutions for SME clients, especially in challenging economic times.
From established businesses to newcomers, clients can have diverse needs. It’s key that brokers understand the financial health of these businesses, not just focusing on profits. It can be beneficial to keep up with industry trends.
In this latest episode of Broker Daily Uncut, Phil Tarrant, Alex Whitlock, and Jack Campbell delve into the government’s National Housing Accord. With the first quarter falling short of target, the goal of building 1.2 million homes by 2029 may be far-fetched. There are various challenges like high construction costs, tradie shortages, and the complexity of development approval processes playing a role in the poor results. There are also frustrations over housing policies that focus mainly on NSW, leaving other regions out.
The conversation then touched on challenges in the SME sector, particularly around cash flow issues. SMEs often face difficulties obtaining funding and brokers have a critical role in supporting these businesses.
Many brokers begin their career as a business owner as a solo practitioner. Once growth and scalability enter the equation, however, the thought of hiring, training, and developing a workforce becomes a priority. In this episode of Business Accelerator with Alex Whitlock and Jason Back, the pair discuss the process of this transition and how to build an effective brokerage.
Brokers often face limits in controlling their income due to commission structures and increasing client demands. Writing higher volumes sustainably while maintaining margins is becoming harder. This can make growth tricky, but with sustainable practices, it can be much simpler.
In this episode of Broker Daily Uncut, hosts Alex Whitlock, Phil Tarrant, and Jack Campbell discuss the upcoming RBA meeting in February.
With many banks and armchair economists penning cuts for February, it will be interesting to see which stance the RBA takes.
Consumer sentiment and unemployment recently saw some turmoil that could add fuel to the fire come 17 February.
Brokers have the unique position of engaging with people from all walks of life. Whether young or old, upper class or lower class, or varied in culture, the needs of these borrowers can be vastly different. This is where a broker can adapt to suit these needs, as discussed in this episode of Business Accelerator.
Hosts Alex Whitlock and Jason Back delve into the insights and lessons learned through customer interactions. These engagements with people will vary based upon preferences and an effective broker will be wary of this.
It’s all about understanding client needs and catering to them. This will keep the borrower coming back time and time again.
In this episode of Broker Daily Uncut, hosts Phil Tarrant and Jack Campbell discuss the importance of brokers meeting the needs of their clients, especially those entering the market. First home buyers are often coming in blind and an effective broker will guide them through the loan journey with a degree of hand-holding.
Also touched on was the world of trust lending. Exercise caution seems to be what the experts are saying, as it’s certainly not for everyone.
January is the planning phase of the year. As people slowly trickle back into work, those who want to set themselves up for success should come in with goals in mind. This was the topic of discussion in this episode of Business Accelerator, with hosts Alex Whitlock and Jason Back. Here, the importance of housekeeping was promoted, as regularly maintaining small tasks, like social media or CRM updates, prevents overwhelming workloads later.
The pair also emphasised the effectiveness of focusing on daily, manageable habits, rather than long-term, overwhelming goals. January should serve as a time for reflection and planning for a chaotic year ahead.
As we enter the new year, there is plenty of ups and downs expected to shake up the broking industry. These themes were discussed in the first episode of Broker Daily Uncut for 2025. Here, hosts Phil Tarrant, Alex Whitlock, and Jack Campbell discuss predictions from an aggregation group that claim broker market share could hit 80 per cent in 2025.
With more and more borrowers turning to the channel to help them through their loan journey, could recent prioritisations of the proprietary channel be a detriment to lenders?
As we begin 2025, brokers will be looking forward to achieving results in the new year. In this episode of Business Accelerator, Alex Whitlock and Jason Back delve into the top considerations brokers should be aware of at the beginning of the year.
Building a strong personal brand is crucial. Brokers operate on a client-to-client basis, placing a strong importance on engaging them effectively.
As broker market share creeps towards 75 per cent, remaining competitive requires individuals to stand out. As January may begin slowly, there is no better time to start planning and developing a strong brand.
Join ifa’s Maja Garaca Djurdjevic and Keith Ford as they speak to shadow financial services minister, Luke Howarth, to discuss the Coalition’s goals for financial advice.
In this conversation with Broker Daily sister brand ifa, Howarth shares his perspective on the current state of the sector, what a change in government would bring about for financial advice reform efforts, the prospect of super funds returning to advice, and what needs to change regarding the Compensation Scheme of Last Resort.
Tune in to hear the shadow minister’s vision for the advice profession ahead of next year’s federal election.
You’ll hear:
- What the Coalition’s plan to implement all the Quality of Advice Review recommendations means in practice.
- His plans to turn around what has been a contentious relationship between the advice profession and successive governments on both sides of politics.
- How Australia’s economy is looking following an extended period of high inflation and increased government spending.
- Whether the shadow minister is just talking a good game ahead of an election or if financial advice would be better off under a Coalition government.
For the final episode of Broker Daily Uncut for 2024, hosts Alex Whitlock, Phil Tarrant, and Jack Campbell delve into the opportunity of trust-based lending.
In the competitive world of broking, diversifying offerings can help brokers stand out from the crowd and provide a one-stop shop for borrowers.
The trend of buying property through trusts is gaining traction as investors seek to overcome serviceability issues. Innovations in mortgage lending will likely focus on smarter, more flexible policies for clients who understand these nuances, often with brokers helping clients navigate the complexities.
As we approach the end of the year, brokers may have their sights set on 2025. In this episode of Business Accelerator, hosts Alex Whitlock and Jason Back analyse some key considerations that can help brokers hit the ground running and achieve success in the new year. It can be easy to get caught up in the technical complexity of being a broker, which can make balancing client service and business management difficult. It can benefit leaders to step back, reflect on the past year, and plan for the upcoming year. The pair discuss the importance of setting clear milestones and focusing on ‘money-making’ activities. It can be beneficial to avoid the chaos of unplanned work.
In the latest episode of Broker Daily Uncut, hosts Phil Tarrant, Alex Whitlock, and Jack Campbell delve into the latest cyber security issues, with ASIC suing HSBC over alleged underperformance in this area.
With cyber crime becoming more and more sophisticated by the day, organisations need to be up to date on countermeasures to combat these issues.
In the wake of cyber security headlines, scam prevention has become a major consideration for lenders as threats continue to ramp up.
In this episode of Business Accelerator, hosts Alex Whitlock and Jason Back jump into the world of fashion. While the days of a suit and tie may have become outdated for some, the way you dress can be an effective way to appear professional. Back notes that it is all dependent on the client. People are different and will appreciate different presentations. Those working with high-revenue commercial clients may need to present themselves differently from an agricultural commodity broker.
The promotion of professionality is what every broker should strive for. Clients are entrusting a big part of their life to brokers, and in return, they should receive an air of comfort through professionalism.
Tune in to find this out and much more!
Regional areas have consistently witnessed increased migration from city folk and few of them are leaving. Despite the opportunities regional living provides, infrastructure remains an issue. In this episode of Broker Daily Uncut, hosts Jack Campbell, Phil Tarrant, and Alex Whitlock discuss the regional migration figures, and how more support is needed in these areas.
The trio also touched on the record-high broker market share numbers, now at 74.6 per cent. Brokers are continuing to remain the most popular option in the borrower journey and increasing figures show no sign of turnaround.
In this episode of Business Accelerator hosts, Alex Whitlock and Jason Back analyse the factors that make a top-performing broker. It may surprise people that volume isn’t necessarily an indicator of success. Curiosity can be an effective tool in driving performance. The willingness to develop and learn from mistakes is an important trait for a high-performing broker. Individuals should be searching for opportunities to challenge themselves.
One of the most crucial considerations is the customer. In a client-facing profession where relationships are paramount, building and developing strong rapport with the consumer must be considered.
Tune in to find this out and much more!
In this episode of Broker Daily Uncut, hosts Jack Campbell, Alex Whitlock, and Phil Tarrant discuss Macquarie’s strong performance and reliance on the broker channel. How are they finding success where others struggle? Also touched on were some rumours of CBA making it easier for borrowers to extend the five-year interest-only period on loans with just a phone call. While yet to be confirmed, this move could be a big win for property investors.
Meanwhile the inaugural Commercial and Finance Awards program was a massive success. With hundreds of industry leaders in one space being recognised for their achievement, the first-time event was full of energy.
In this episode of Business Accelerator with hosts Alex Whitlock and Jason Back, the topic delved into tech in broking. While it can be an effective enabler in streamlining processes, the human element of the profession must be upheld.
Tech is also consistently evolving, creating headaches when trying to keep up. What’s important to keep in mind, said Back, is to retain synergy with clients and find out how they want to tackle processes.
In some instances, aggregators may push a tech stack that isn’t attractive to a broker. Individuals and brokerages shouldn’t be opposed to branching out and seeing what works for them in the tech market.
Tune in to find this out and much more!
In this episode of Broker Daily Uncut, hosts Jack Campbell, Alex Whitlock, and Phil Tarrant analyse the purchasing of property with cash, which now makes up 26.5 per cent of the total. With Baby Boomers set to hit peak retirement over the next couple of years, this figure may climb as the older generations look to downsize.
Meanwhile, ANZ took the top spot as most popular lender for commercial brokers. Each of the majors performed well, with La Trobe Financial creeping its way into fourth spot as the only non-bank lender to make the top five.
The team also discussed the upcoming Commercial Finance Awards, taking place this Thursday. The lunchtime event will be a celebration of leading brokers, BDMs, and businesses in the commercial and asset finance space.
Growing and developing your brokerage shouldn’t be done on a whim. Careful and calculated planning is key to success. These themes were discussed in this episode of Business Accelerator with Alex Whitlock and Jason Back.
Spurring growth isn’t cheap and leaders should be aware of the potential damage that can be done if not handled correctly. For example, Back said that human capital is a major expense. This is where outsourcing and offshoring can be beneficial.
Leveraging tech can also be an effective way to scale growth. Utilising systems to streamline processes allows leaders to focus on the important and more forward-facing tasks of business development.
Tune in to find this out and much more!
In this episode of Broker Daily Spotlight, Jack Campbell chats shop with Firstmac’s chief financial officer, James Austin. Here, they delve into just how important non-banks are for the broking industry and some of the benefits of dealing with these lenders.
Tune in to find out:
- What Firstmac has learned entering the commercial SMSF market.
- Why Australia is a hotspot for RMBS.
- Broker diversification.
And much more!
In this episode of Broker Daily Uncut, hosts Phil Tarrant, Alex Whitlock, and Jack Campbell discuss the upcoming election and how housing policy is likely to be a key influencer of both government policy and voter decision.
Tune in to find out:
- The role of the broker in reducing borrower anxiety.
- Rural bank branches protection.
- The broker/journalist relationship.
And much more!
In this episode of Business Accelerator, hosts Alex Whitlock and Jason Back discuss the path to becoming a successful brokerage, saying that leaders need to be able to resource effectively.
Tune in to find out:
- Setting growth milestones.
- Becoming an employer.
- How to scale.
And much more!
In this episode of Broker Daily Uncut, hosts Alex Whitlock and Jack Campbell discuss the opportunity for borrowers in Melbourne as demand and prices ease.
Tune in to find out:
- Australia’s promising property markets.
- The majors’ yearly results.
- Australian AI Awards launch.
And much more!
With the number of brokers now totalling around 21,000 across the country, the industry has never been bigger. In this episode of Business Accelerator, hosts Alex Whitlock and Jason Back reflect on this growth and delve into some strategies for boosting performance as a broker.
Tune in to find out:
- Importance of staying on the tools.
- Proper business organisation is a must.
- Succession planning.
And much more!
In this episode of Broker Daily Uncut, hosts Phil Tarrant, Alex Whitlock, and Jack Campbell discuss the RBA cash rate call. With economists penning February as the time to expect a drop, we may have to wait even longer. Tune in to find out:
- A big week for news.
- Running for a cause.
- Election season gearing up.
And much more!
With the broking industry undergoing rapid transformation, the need for thoughtful decision making has never been more important. In this episode of Business Accelerator, hosts Alex Whitlock and Jason Back drive home just how crucial it is to have structure in broking. Tune in to find out:
- Financial considerations.
- Client relationships are key.
- Building a sustainable business.
And much more!
In this episode of Broker Daily Uncut, hosts Phil Tarrant and Alex Whitlock jump into the current state of auctions, with early signs pointing to a struggling market.
Tune in to find out:
- Why is selling property so difficult at the moment?
- A new Premier for Queensland.
- Is the 3 per cent buffer appropriate?
And much more!
Small businesses require constant hands-on attention. For brokers holding the weight of an entire business on their shoulders, coupled with personal life, it can become overwhelming. In this episode of Business Accelerator, hosts Alex Whitlock and Jason Back give some tips for maximising productivity while juggling multiple responsibilities.
Tune in to find out:
- The importance of education.
- Why allocation is effective.
- Downtime matters.
And much more!
In this episode of Broker Daily Uncut, hosts Phil Tarrant, Alex Whitlock, and Jack Campbell discuss the market share of the major banks. With non-majors gaining momentum, what could be causing this shift in consumer preference? Tune in to find out:
- The pros and cons of SMSF lending.
- Low housing stock.
- CBA spam troubles.
And much more!
In this episode of Business Accelerator, hosts Alex Whitlock and Jason Back discuss the importance of advisory roles, such as brokers, and how they’re relied on to help people reach their goals.
Tune in to find out:
- The importance of supporting clients.
- The role of aggregators in facilitating this.
- How the industry is becoming increasingly complicated.
And much more!
In this episode of Broker Daily Uncut, hosts Phil Tarrant, Alex Whitlock, and Jack Campbell discuss the ongoing payroll tax case that is trying to determine whether brokers are considered employees under aggregators.
Tune in to find out:
- The latest banks in hot water.
- Solving the housing crisis.
- A new look for Broker Daily.
And much more!
In this episode of Business Accelerator, hosts Alex Whitlock and Jason Back discuss what brokers can do to stand out in a bustling industry. Tune in to find out:
- The complexity around brokers differentiating themselves.
- The various ways brokers can stand out.
- How to nail down your core proposition.
And much more!
In this episode of Broker Daily Uncut, hosts Alex Whitlock and Jack Campbell discuss the golden opportunity brokers have to diversify offerings by branching out their services.
Tune in to find out:
- The ANZ continuous disclosure debacle.
- Rumours of a change to broker remuneration.
- Foreign investment trends.
And much more!
In this episode of Business Accelerator, hosts Alex Whitlock and Jason Back further explore how brokers can take full advantage of referrals in a more structured way. Tune in to find out:
- The strategies for generating business from an existing back book.
- How to stay memorable with clients.
And much more!
In today’s Broker Daily Uncut, hosts Phil Tarrant and Alex Whitlock unpack the negative gearing debate that’s once again reared its head amid speculations around the government scaling back or changing it.
Tune in to find out:
- The latest on the negative gearing debate.
- Has APRA’s 3 per cent buffer locked out potential home buyers?
- Auction results from around the nation.
And much more!
In this episode of Business Accelerator, hosts Alex Whitlock and Jason Back unpack how mortgage brokers can best generate referrals for their business. Tune in to find out:
- How referral partnerships can benefit your business.
- What strategies brokers can use for referral generation.
And much more!
In this episode of Broker Daily Spotlight, host Jack Campbell sits down with ANZ’s general manager commercial broker and origination Ivan Mioc to chat about how the bank is supporting brokers. Tune in to find out:
- A deep dive into the relationship between ANZ and brokers.
- ANZ’s implementation of tech.
- Why brokers should consider ANZ for their clients.
And much more!
In today’s episode of Broker Daily Uncut, hosts Phil Tarrant and Alex Whitlock discuss the latest rumours being passed around the broking industry.
Tune in to find out:
- Why the broking industry is up in arms.
- The interest rate predictions.
- The current state of housing affordability.
And much more!
Join host Alex Whitlock and returning guest, award-winning mortgage broking mentor and trainer, Jason Back, as they tackle the many ways brokers can utilise social media to boost their businesses. Tune in to find out:
- How to tailor content for different platforms.
- Building an online audience.
- How to crack the social media algorithm.
And much more!
In today’s Broker Daily Uncut, hosts Phil Tarrant and Alex Whitlock discuss the latest clawback move from a major lender, as well as moves from brokers to see clawbacks removed entirely.
Tune in to find out:
- How NSW location elections are tied with property.
- NAB’s updated clawback policy.
- The latest updates on broker payroll tax.
And much more!
Welcome to Broker Daily’s brand- new podcast – Business Accelerator! Join host Alex Whitlock and award-winning mortgage broking mentor and trainer Jason Back where they unpack the key attitudes, practices, and systems that drive success and growth for the best mortgage and finance brokers.
Tune in to find out:
- Why brokers have to understand how and when to ‘sell’.
- How creating deep connections with clients can accelerate growth.
- Where brokers can spend their time more effectively to generate leads.
And much more!
In this episode of Broker Daily Uncut, hosts Phil Tarrant and Alex Whitlock discuss the results from the latest Broker Daily survey into broker sentiments around the major banks.
Tune in to find out:
- A discussion on the results from the survey.
- Westpac’s new CEO announcement.
- The spring selling season starting off with a bang.
And much more!
In this episode of Broker Daily Uncut, hosts Phil Tarrant and Alex Whitlock open up the debate of should brokers drop banks that don’t support them following comments from the big banks targeting broker remuneration. Tune in to find out:
- A recap of big four bank CEOs targeting broker pay.
- The debate around using banks that do not support brokers.
- More about the Australian Broking Awards .
And much more!
In this episode of Broker Daily Uncut, hosts Phil Tarrant, Alex Whitlock, and Adrian Suljanovic unpack BOQ’s apparent exit from the broker channel.
Tune in to find out:
- The latest information on BOQ’s shift away from third-party distribution.
- Whether or not this will set a precedent for other banks.
- How this could affect the mortgage broking industry. And much more!
In this episode of Broker Daily Spotlight, host Jack Campbell chats with Melbourne-based Aussie Home Loans franchisees Sandra Sanches and Raquel Guerra about how they run their own business as a mother-and daughter team.
Tune in to find out:
- Their journey into building their own franchise.
- The importance of community as a local business.
- How they promote face-to-face client interactions.
And much more!
In this episode of Broker Daily Uncut, hosts Phil Tarrant and Michael Magee discuss the recent move by BOQ to “pause” all new home loans via the broker channel. Tune in to find out:
- BOQ’s digital transformation and its shift away from the broker channel
- The upcoming Commercial Finance Awards
- Other events on the horizon
And much more!
In this episode of Broker Daily Uncut, hosts Phil Tarrant, Alex Whitlock, and Jack Campbell discuss the Senate inquiry into home lending. The changes could make things easier for those looking to enter the housing market. Tune in to find out:
- CBA’s shrinking broker flows.
- The commercial broking awards.
- What Finni Mortgages is up to.
And much more!
In this episode of Broker Daily Spotlight, host Adrian Suljanovic sits down with Lendi Group’s CEO and co-founder David Hyman and chief product officer Travis Tyler on the back of the aggregator’s win of the Innovator of the Year award at this year’s Mortgage Business Awards.
Tune in to find out:
- How Lendi is using innovative initiatives to improve the broker and customer experience.
- The consolidation of the Aussie Home Loans and Lendi Group brands.
- How AI is being integrated into the mortgage space.
And much more!
In this episode of Broker Daily Uncut, hosts Phil Tarrant, Alex Whitlock, and Jack Campbell discuss the announced reforms to the Consumer Data Right (CDR), with changes expected to benefit consumers. Tune in to find out:
- RBA cash rate hold consequences.
- Is the return to office better for productivity?
- Why do brokers prefer commercial lending?
And much more!
In this episode of Broker Daily Uncut, hosts Phil Tarrant and Jack Campbell delve into the biggest talking points impacting the broking industry this week. Tune in to find out:
- The government changes pushing out investors.
- Will the RBA hike rates?
- Big growth in Aussie loans.
And much more!
In this episode of Broker Daily Uncut, we sit down with Natalie Smith, general manager of retail broking at ANZ. Here, she delves into the upcoming merger with Suncorp, setting the record straight that the banks will “continue to operate as two independent brands”.
Tune in to find out:
- How Smith went about transitioning into third-party broking from a corporate banking background.
- The dynamics between lenders and brokers.
- Initiatives ANZ has undertaken to enhance its broker services.
And much more!
In this episode, host Annie Kane sits down with the director and broker of Picker Financial Solutions, Justin Picker, to delve into his inspiring journey into the mortgage broking industry following his win of the Mortgage Broker of the Year award in the regional category at the Mortgage Business Awards in Melbourne.
Tune in to find out:
• How Picker broke into the mortgage broking industry. • The importance of mentorships and partnerships. • How he navigated a slew of challenges over the last five years.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock and Phillip Tarrant as they break down the biggest industry happenings of the week for the last time under the Mortgage Business brand.
Tune in to find out:
- Why brokers are turning to non-bank lenders.
- Why SMEs have ‘gone into hibernation’.
- The future of Broker Daily.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock and Phillip Tarrant as they discuss the economic boom affecting Greater Western Sydney.
Tune in to find out:
- The date is set for the ANZ-Suncorp merger. What does it mean for brokers?
- Using an SMSF to grow investment portfolios.
- How brokers broke a quarterly lodgement record.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock and Phillip Tarrant as they jump into some of the themes shaping the commercial broking space.
Tune in to find out:
- The meteoric rise of non-banks lenders.
- Increased commute times due to steeper house prices.
- Consumer Data Right and how its impacting brokers and borrowers.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock and Phillip Tarrant as they unpack the ANZ-Suncorp merger and what it means for the future of banking and broking.
Tune in to find out:
- The Mortgage Business rebrand.
- The expansion of the Home Guarantee Schemes.
- Stubborn inflation.
And much more!
In this episode of Mortgage Business Spotlight, sponsored by nCino, we sit down with nCino managing director Australia and New Zealand Mark Bernhardi and Summerland Bank CEO John Williams to learn how customer-owned lenders are transforming their banking systems.
Tune in to find out:
- How digital transformation is about adapt or die.
- The benefits of a single digital platform for business operation.
- The trends that will shape digital transformation in the future.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they discuss the headline findings of the major annual broker survey, the Third-Party Lending Report.
Tune in to find out:
- The new dominating factor brokers consider when choosing lenders.
- Which lender is the most highly rated by brokers.
- Mortgage processing lawyers announce demerger.
And much more!
Don’t miss this special podcast revealing what’s behind the new direction – and identity – for Mortgage Business. Join Alex Whitlock and Phillip Tarrant as they consider the evolution of third-party distribution in Australia and how the media can better serve today’s brokers.
- Why there’s scope for a new media angle.
- What we’ve learned from broking and how that’s shaped our approach.
- When the new proposition will arrive and who’s behind it.
And much more!
While there’s no magic solution for lead generation, engaging with borrowers beyond standard loan processes is crucial to building a business, according to CoreLogic. In this episode of Mortgage Business Spotlight, sponsored by CoreLogic, we catch up Chris Wagner, the head of broker at property data and analytics and services provider CoreLogic, to find out:
- Why offering insights is the key to successful lead generation.
- The importance of self-serve digital tools.
- How CoreLogic supports brokers to enhance client engagement and retention. And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock and Phillip Tarrant as they take a deep dive into the current state of the real estate market.
This week they discuss:
- The latest auction results.
- A changing yet familiar market.
- The perception of investors.
And much more!
How can the mortgage broking industry ensure it reflects the society in which we live and operate?
In this episode of Mortgage Business Spotlight, sponsored by Resimac, we catch up with the lender’s general manager for distribution Chris Paterson and Birdie Wealth broker director Nathan Smith to find out:
- How the industry can create an inclusive and supportive work environment.
- Top tips for supporting working parents.
- The link between team culture and performance.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they discuss the latest merger movements in the mutual banking space and changes to increase first home buyer activity.
Tune in to find out:
- Beyond Bank and P&N’s merger details.
- Why so many mutuals are merging.
- South Australia scraps stamp duty for FHBs buying new builds.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they discuss why record numbers of borrowers are turning to the broker market.
Tune in to find out:
- What’s driving record-breaking numbers to brokers.
- Why ANZ’s resi book is growing so fast.
- Are borrowers confusing budgeting and hardship?
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they discuss the AFR’s latest slew of stories focusing on the broker channel and the surprising misrepresentations within them.
Tune in to find out:
- How and why the AFR has got it so wrong on broking.
- Why the broking industry is shocked and dismayed at the coverage.
- How the non-major banks are leading the way on channel conflict.
And much more!
In this special episode, host Annie Kane sits down with Gerald Foley, the managing director of National Mortgage Brokers (nMB), to explore how he helped ANZ launch into broker, how broking has evolved over the years, and what he thinks the future of broking looks like. Tune in to discover:
- Why ANZ decided to start operating in the broker channel.
- Why the banks decided to introduce trail commission.
- The importance of supporting mental health in industry.
And much more!
The major bank is set to launch a new, more affordable refinance option, available exclusively to borrowers online. Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they discuss the breaking news, and whether this move to cut-out the broker and proprietary channel sets a worrying new precedent.
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they review the housing measures announced in the budget and the budget reply and consider alternative measures that could address the issue of undersupply.
Tune in to find out:
- ASIC’s warning to lenders about financial hardship assistance performance.
- Whether a vacant bedroom tax could address the issue of undersupply.
- Why a Senate committee wants to change up the super for housing thresholds.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they review the latest initiatives and funding handed down by the federal government to tackle the housing crisis.
Tune in to find out:
- The new housing initiatives in the budget 2024/25.
- Are borrowers waiting for stage 3 tax cuts before buying?
- The fallout from the Firstmac hack.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they review the likelihood of an increase in the cash rate in the near future, why the new NAB chief executive has brokers worried, and whether Macquarie Bank should be classified as a major bank. Tune in to find out:
- Expectations for this week’s rate decision.
- Is NAB moving to prioritise proprietary channel home lending?
- Should we be calling Macquarie Bank a major bank now?
And much more!
In this episode of Mortgage and Finance Leader, host Maja Garaca Djurdjevic talks to shadow treasurer Angus Taylor about the government’s handling of financial advice regulation, economic challenges such as inflation and housing affordability, and the role of superannuation in empowering individuals in financial decision making. Tune in to find out:
- Why he opposes Help to Buy and shared equity schemes.
- His thoughts on allowing Australians to access super for home ownership.
- Why he thinks the government should ‘get out of the way’.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they discuss why the market is now considering rate hikes this year, and CBA’s move to retain its home lending staff by increasing its bonus commission rates.
Tune in to find out:
- Why the RBA may not be done with rate hiking.
- CBA’s move to retain home loan staff.
- Why do bankers become brokers?
And much more!
In this episode of the Mortgage Business Spotlight podcast, sponsored by Sprnt, we catch up with chief executive Brian Steele to find out how the fintech is accelerating commercial lending technology. Tune in to find out:
- What’s been holding back commercial lending tech.
- How improving commercial lending tech could increase broker lodgements.
- How Sprnt aims to optimise the commercial lending space.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Phillip Tarrant and Annie Kane as they discuss the latest innovations and changes improving the mortgages space at the moment.
Tune in to find out:
- The push and pull factors influencing the property market right now.
- The pros and cons of Help to Buy.
- How open banking may help reduce RLOs.
And much more!
In this special episode, host Annie Kane sits down with the executive chairman of LMG, Sam White, to explore how the group evolved to become the biggest aggregator in the continent and what the payroll tax court case means for the broking industry. Tune in to discover:
- How and why LMG grew into Australasia’s largest aggregator.
- What the payroll tax judgment means for brokers.
- What he thinks the future of broking looks like.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they discuss the major court case that will bring in a new tax imposition on the broking industry.
Tune in to find out:
- Why the broking industry may soon have a new payroll tax burden.
- What the Loan Market payroll tax judgment entails.
- How the discharge process could be improved.
And much more!
In this episode of the Mortgage Business Spotlight podcast, sponsored by Resimac, we catch up with the GM of distribution, Chris Paterson, and regional sales manager Rodney Cottam to find out:
- How to deliver enhanced performance in a high-pressure environment.
- The importance of building constructive daily habits.
- How excellence and constant improvement go hand in hand.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Phillip Tarrant, and Michael Magee as they discuss the record-breaking mortgage broker market share announced by the MFAA, as well as:
- The role of technology in the broking sector.
- Forming strong referral partnerships with accountants.
- The Lead Generation Bootcamp.
And much more!
Artificial intelligence has been rapidly embraced by businesses, with major broking groups – such as the Lendi Group – already testing new AI-powered tools and tech for its brokers. In this episode of the Mortgage Business Spotlight podcast, sponsored by the Lendi Group, we catch up with co-founders David Hyman (CEO) and Sebastian Watkins (COO) to find out:
- The evolution of technology in the mortgage space.
- How generative AI is improving efficiencies.
- How Lendi Group is harnessing AI to make broking more efficient.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they discuss whether the recommendations from the competition inquiry report could make mortgages more competitive, as well as:
- How Whitlock’s auction fared over Easter weekend.
- Which cities saw the most house price growth last quarter.
- Why doubts are being cast on a rate cut this year.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they discuss the worsening housing supply issue and how lender blacklists can be stymieing the much-needed shift to apartment living.
Tune in to find out:
- Why Whitlock is taking his house to auction this Easter.
- The (subtly) changing language of the RBA.
- Why postcode blacklists need to go.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they discuss the heat in the auction market and forecasts for the March rate decision.
Tune in to find out:
- Why property demand continues to be rampant despite rising prices.
- Whether the RBA will change rates at all this year.
- What was in Jim Chalmers’ pre-budget speech.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they discuss why Bankwest is closing its branches and becoming a fully digital bank, reflecting on the fourth anniversary since the start of the COVID-19 pandemic, and how the property market is faring now.
Tune in to find out:
- Why brokers will likely benefit from the Bankwest transformation.
- How house prices have fared in the four years since the COVID-19 pandemic.
- Why Islamic Bank Australia has had its licence revoked.
And much more!
There are so many amazingly successful women in the finance industry, but only a small number have a strong brand and online presence in this traditionally male-dominated industry. As we celebrate International Women’s Day, we want to help more women raise their profile and showcase the incredible professionals in this space. In this episode, partnered by Mortgage Choice (part of the REA Group), we’re picking the brain of its executive manager, corporate communications, events & franchise marketing, Sally Chadwick, to find out:
- How to build a brand presence.
- The benefits of having a strong brand presence.
- Top tips to help you get started today.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Phillip Tarrant and Annie Kane as they discuss the uproar about Unloan’s new program that pays a referral fee to introducers (but not brokers), the popularity of the Brisbane and Perth property markets, and the frustrations with front book and back book pricing. Tune in to find out:
- Why CBA’s Unloan is unpopular with the broker channel.
- Why investors need to be actively checking their interest rates.
- Why Perth continues to dominate the investor market.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock and Phil Tarrant as they discuss the dynamic world of finance and mortgage broking. Tune in to find out:
- How mortgage broking is making home ownership accessible to a broader demographic.
- The notable trends observed at the Better Business Summit.
- The path ahead for the Australian mortgage broking industry.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Phillip Tarrant, and Annie Kane as they discuss why the heat is on for government to make a move on stamp duty and negative gearing, CBA’s surprising financial results, and how AI is shaking up the industry. Tune in to find out:
- Why the Greens wants property tax reform.
- Why CBA’s broker flows have been plummeting.
- Whether AI is a friend or foe for the mortgage industry.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Annie Kane and Adrian Suljanovic as they discuss the Reserve Bank of Australia’s first rate decision of the year and why they may consider cutting rates before target inflation is hit.
Tune in to find out:
- Why the RBA may cut rates earlier than usual.
- Why clearance rates are back on the up.
- A new CEO at NAB.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Annie Kane and Grace Ormsby as they discuss what all the fuss is about the Western Australian property market, how the mortgage market performed in 2023, and what to expect from the Reserve Bank of Australia this year.
Tune in to find out:
- Why auctions are back with a vengeance.
- Which state investors are flocking to.
- How the new cash rate decision meetings work.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Annie Kane and Adrian Suljanovic as they discuss the newly announced stage 3 tax cut changes and their impact on borrowers and the launch of the Mortgage Business Awards 2024, run in partnership with Resimac!
Tune in to find out:
- What the stage 3 tax cut changes entail.
- Why the NAB chief executive is concerned for the great Australian dream.
- Why you should submit for a Mortgage Business Award 2024.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Annie Kane and Adrian Suljanovic as they discuss the latest forecasts for the property market, a big new fine for ME Bank, and why the IMF thinks Australia should bring in more lending curbs. Tune in to find out:
- Why the IMF thinks DTI and LVR limits should be brought in.
- Forecasts for house price changes this year.
- The new trend for non-bank lenders.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Adrian Suljanovic as they discuss the latest lending data trends, expectations for the property market in 2024, and why we might see rates start to fall before the end of the year.
Tune in to find out:
- What the latest lending data tells us about supply and demand.
- Predictions for the property market in 2024.
- Forecasts for when the cash rate might start to fall.
And much more!
In this Spotlight episode, Momentum Markets director Phillip Tarrant and Real Estate Gym founder Tom Panos unpack the big shake-ups of 2023 in real estate, property investment and mortgages. Momentum Markets director and host of the Smart Property Investment Show Phillip Tarrant and Real Estate Gym founder and auctioneer Tom Panos discuss the year that was and unveil what got them talking this year in the property market.
Tune in to find out:
- How the property market fared this year.
- The shocks and surprises of 2023.
- The big announcements that got everyone talking.
And much more!
In this Spotlight episode, partnered by Aussie, we find out how the major brokerage is reimaging the broker proposition and helping create more efficient and productive brokers.
Mortgage Business managing editor Annie Kane chats to Matt Whyte, general manager of distribution growth, and Matthew Rogers, franchisee of Aussie Newtown, to find out how the broking group is doing it.
Tune in to find out:
- Why the broker model is changing.
- How Aussie is creating broker chief executives.
- How the brokerage aims to write a deal a day.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the final flurry of strong auction activity, the Connective shareholder court case appeal and what it means, and movement on the ACCC Home Loan Price Inquiry.
Tune in to find out:
- What’s driving unusually high auction activity.
- Why the Connective shareholder court case is so complex.
- The Treasurer’s pledge to examine the Home Loan Price Inquiry.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Annie Kane, Kate Aubrey, and Adrian Suljanovic as they discuss what’s leading to falling clearance rates, Kate’s own auction experience, the government’s controversial ‘qualified advice’ model, and NAB’s move to link up mortgagors with home loan bankers. This week, they discuss:
- Why strong auction stats aren’t all that they’re cracked up to be.
- Concerns raised over the government’s new advice model.
- Why NAB’s Meet Now function is raising eyebrows in the broker market.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Annie Kane, Kate Aubrey, and Adrian Suljanovic as they discuss the calls for the final rate decision of the year, how government aims to help more lower-income earners access the property market, and the latest senior leadership changes at the banks
This week, they discuss:
· Will they or won’t they? Market forecasts for December rate call.
· What the Help to Buy Scheme entails.
· New chief executive appointments at the non-major banks.
And much more!
In this special episode, host Annie Kane sits down with Greg Pennells, the co-founder of aggregation group Purple Circle Financial Services (and co-founder of former aggregator Choice Aggregation Services) to find out how the mortgage aggregation space has been evolving.
Tune in to discover:
• Why and how mortgage broker aggregation first started.
• Why he co-founded Choice Aggregation Services and Purple Circle.
• His thoughts on the future role of aggregators.
And much more!
Content warning: This podcast contains content about depression. Listener discretion is advised. If you require mental health support and want to talk to a counsellor, free, confidential counselling is available from Beyond Blue on 1300 22 4636. If you are concerned for your immediate safety or the safety of others, call Triple Zero (000).
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Adrian Suljanovic as they discuss the ongoing strength in the property market, the issue with Australia’s housing bubble, and the lenders that brokers are rating and raging against at the moment. This week, they discuss:
- Preliminary results from the second-busiest auction week of the year.
- Why AMP is in the doghouse with brokers.
- The ongoing problem of the Australian housing bubble.
And much more!
Following the Women in Finance Summit and Awards 2023, we’re catching up with some of the leading women in the financial services space.
In this episode, we chat to Rebecca Warren, executive general manager of small-business banking at CommBank, about how she navigated a historically male-dominated industry over her 20-year career and why she believes inclusion and diversity are not just morally imperative, but key to achieving superior business results.
Tune in to find out:
- Why she loves commercial finance.
- The secret power of ‘quiet achievers’.
- How CommBank is creating a more inclusive and supportive work culture.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Josh Needs and Adrian Suljanovic as they delve into the latest auction results, discuss the rise in mortgage debt, a record WPI and its implications for future rate hikes and a major bank facing backlash from brokers.
This week, they discuss:
- Auction and property market recap.
- A major lender’s shrinking loan book.
- The launch of a new digital bank on the horizon.
And much more!
Following the Women in Finance Summit and Awards 2023, we’re catching up with some of the leading women in the financial services space.
In this episode, we chat to Suzanne Wood, state general manager residential broker Victoria/Tasmania at Westpac Group (and state chair of the Women of Westpac employee advocacy group), about how she climbed the career ladder in banking and the power of having strong female role models.
Tune in to find out:
- How she learnt the art of having difficult conversations.
- The perils of unconscious bias and how to tackle them.
- How Westpac is supporting women through the Women of Westpac employee advocacy group.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Kate Aubrey and Adrian Suljanovic as they delve into the latest auction results, explore the trajectory of the RBA following another rate hike, and applaud the accomplishments of women in finance as the gala night draws to a close. This week, they discuss:
- Auction and property market recap.
- Insights into the future direction of the cash rate.
- Unveiling the winners of the Women in Finance Awards.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss allegations that a mortgage fund may be a multi-million dollar Ponzi scheme, surprisingly low auction activity in Melbourne, and a new bank CEO. This week, they discuss: * Auction activity and why The Block is a step away from reality * Forecasts for the November cash rate decision * Allegations that a mortgage fund may be an elaborate Ponzi scheme
And much more!
Ahead of the Women in Finance Summit and Awards 2023, we’re catching up with some of the leading women in the financial services space. In this episode, we chat to Anjali Crossette, manager of motor operations at non-bank lender Liberty, about breaking barriers and misconceptions about car finance and why she believes the industry needs to showcase gender diversity across every rung of the career ladder. Tune in to find out:
- Why the finance industry is an attractive industry to work in for women.
- The progress being made in gender diversity in car finance.
- How Liberty is leading the way by example.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss the preliminary results from Australia’s biggest auction week of the year, why there’s growing consensus that the central bank will hike rates next week and a new mortgage partnership.
This week, they discuss:
- The busiest auction markets over ‘Super Saturday’.
- Why a November cash rate hike is near certain.
- NRMA’s new home loan offering.
And much more!
Ahead of the Women in Finance Summit and Awards 2023, we’re catching up with some of the leading women in the financial services space. In this episode, host Maja Garaca Djurdjevic is joined by Olympian and financial adviser at HLB Mann Judd, Sarah Carli, to discuss how she made her way from the track to financial advice. Ms Carli, who competed in the 400-metre hurdles at the Tokyo Olympics in 2020, reveals the valuable skills she has learned as an adviser that have positively impacted her athletic career, as well as how she balances being a professional athlete with working full time. Tune in to find out: * The importance of a supportive work environment. * How she balances her professional and athletic commitments. * How there are more transferable skills between athletics and advice than many might expect.
And much more!
In this special episode, host Phil Tarrant sits down with general manager of third-party banking at Bankwest, Ian Rakhit, to explore the evolving role of mortgage brokers within the industry and to uncover the future prospects and opportunities for this dynamic field.
Tune in to discover:
- The significance of customer choice and the pivotal role played by brokers in ensuring it.
- The impact of digitisation on the mortgage process.
- Promising opportunities for brokers.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss the strong auction market and why it is expected to only get stronger next month, the RBA’s huge deficit and new leadership at the lenders.
This week, they discuss:
- Why November might be the best month to sell.
- What the market is looking out for in this week’s CPI data.
- The return of a respected industry veteran.
And much more!
Ahead of the Women in Finance Summit and Awards 2023, we’re catching up with some of the leading women in the financial services space. Deslie Taylor, principal at Mortgage Choice Ormeau in Queensland, is one of the top brokers in the country, having settled over $1 billion in loans in her 16-year career and taken home numerous awards including Mortgage Broker of the Year at the Women in Finance Awards multiple years in a row. In this episode, we chat to Ms Taylor about how she runs her award-winning brokerage and find out from Aaron Slater, general manager of distribution at Mortgage Choice (principal partner of the Women in Finance Summit and Awards 2023), how we can help support and create more inclusive workplaces. Tune in to find out:
- The power of being an empathetic leader.
- The art of practising continuous improvement.
- How Mortgage Choice’s Aspire program is supporting women in finance.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Annie Kane, Kate Aubrey, and Adrian Suljanovic as they discuss the Voice referendum results, why auction clearance rates are falling and solutions being offered to borrowers to help them onto the property ladder. This week, they discuss:
- Reaction to the Voice referendum.
- What’s behind falling clearance rates.
- Pepper’s new SMSF lending offering.
And much more!
Ahead of the Women in Finance Summit and Awards 2023, we’re catching up with some of the leading women in the financial services space. Joanna James is an advocate for constant reinvention and resilience, having herself adapted to change over her career in the finance space. Having worked in the lending space for more than 20 years – including as the general manager of non-bank lender Mortgage Ezy – she now helps support women in building successful businesses through Artemis Space, a women’s community group delivered by the Finance Brokers Association of Australia. In this episode, Annie Kane sits down with Joanna James to find out:
- Why success is subjective.
- The power of visualisation, emotionalisation and manifestation.
- Why she believes the finance industry is a great industry for women.
And much more!
In this conversation, Minister Jones shares his candid assessment of the progress in financial advice, discusses his goals for the industry, addresses criticism surrounding his approach to the Quality of Advice Review, and delves into the role of superannuation funds, banks, and insurers in shaping the future of advice. Discover the minister's vision for the advice industry and his plans to inspire young Australians to pursue careers in this field. You’ll hear:
- Minister Jones' reflections on his commitment to addressing industry issues and the progress made during his first year and a half in government.
- Insights into the legislative timeline for streams one and two of the Quality of Advice Review response.
- The minister's views on consumer protection, Michelle Levy’s good advice model, and strategies to encourage funds to offer advice.
- The enactment of the experience pathway, its reception, and Minister Jones' message to those who find it contentious.
Listen to the episode with Stephen Jones from 2022 here:
https://www.mortgagebusiness.com.au/economy/16517-exclusive-interview-shadow-financial-services-minister-and-shadow-assistant-treasurer-stephen-jones-mp
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss what the RBA thinks about the financial stability of Australia and what risks to look out for, why this spring auction market has been an unusual one, and why Greg Medcraft thinks we need a public RMBS.
This week, they discuss:
- Which states were surging for auctions last week.
- The RBA’s data on how borrowers are faring.
- Why a public RMBS could make mortgages more competitive.
And much more!
Ahead of the Women in Finance Summit and Awards 2023, we’re catching up with some of the leading women in the financial services space.
Tanya Sale co-founded mortgage aggregation group outsource Financial with Andrea Tassis 13 years ago, with Tanya now one of the very few female chief executives in the mortgage industry.
In this episode, Annie Kane sits down with Tanya Sale to find out:
- How a piggy bank triggered her love of finance
- Why she started her own aggregation business
- Why she believes support is critical to succeed as a female business leader
And much more!
In this special episode, host Annie Kane sits down with AFG chairman and former ASIC chairman Greg Medcraft to discuss why he believes Australia needs a public RMBS and his proudest achievements as chairman of the financial services regulator.
Tune in to find out:
- Why he’s passionate about securitisation
- What he’s most proud of from his tenure as ASIC chairman
- Why he joined AFG
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss how the public holidays have impacted the auction market and the central bank’s cash rate decision for October, the first under the governorship of Michele Bullock.
This week, they discuss:
- Alex’s experience in taking his property to auction on Saturday
- Where the cash rate is expected to go from here
- The new deposit lender on the scene
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss what’s driving the strong spring auction market, the solutions being put forward to manage the housing undersupply issue, and what the major banks had to say about regional branch closures at last week’s Senate hearings.
This week, they discuss:
- Shane Oliver’s thoughts on curbing immigration
- Victoria’s controversial short-term rental levy
- The takeaways from last week’s regional banking inquiry
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Annie Kane, Kate Aubrey and Adrian Suljanovic as they discuss the strength in the property auction market, Yellow Brick Road’s decision to remove itself from the ASX, and how and why the Housing Australia Future Fund finally passed the Senate.
Tune in to find out:
- Which capital cities are booming
- Why YBR wants to become private again
- New forecasts for when the cash rate will start to fall
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Annie Kane and Adrian Suljanovic as they discuss continued strength in auction activity and how property prices may be impacting clearance rates, the final cash rate decision made by RBA governor Philip Lowe, and the passing of new legislation affecting the industry.
Tune in to find out:
- Which capital cities have the best clearance rates
- Mr Lowe’s final cash rate decision and parting words
- New laws coming to the mortgage and finance industry
And much more!
In this special episode, host Annie Kane sits down with founder of Stargate and Interstar Securities, Vernon Spencer, to discuss the beginnings of the mortgage industry and how he became the father of residential mortgage-backed securities in Australia. Tune in to find out:
- How the mortgage and broking industry started in Australia
- How and why he brought RMBS to Australia
- The importance of technology and innovation in improving the mortgage process
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Adrian Suljanovic as they discuss the start of the spring selling season, the forecasts for Philip Lowe’s last cash rate call as RBA governor, and more lenders look to merge.
This week, they discuss:
- The strong interest in both affordable and luxury properties
- What economists expect the September cash rate call to be
- Continued consolidation in the mutual banking space
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the surprising performance of the property market this winter (and forecasts for the spring selling season), ANZ and Suncorp’s move to head to the Competition Tribunal, and why the broking industry is nervous about some of the new ASIC commissioner appointments.
This week, they discuss:
- The surprisingly strong property market despite high rates
- Next steps for the ANZ-Suncorp merger
- Bringing non-banks into the open banking regime
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Kate Aubrey and Adrian Suljanovic as they discuss how the market continues to show resilience, with an increase in auction clearances and property listings, the latest trends in consumer spending, and the outcome of the national cabinet’s housing target announcement.
This week, they discuss:
- National cabinet’s new housing target of 1.2 million homes
- Final hearing of the regional bank closures inquiry
- The launch of the inaugural Women in Finance Summit
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Kate Aubrey, and Adrian Suljanovic as they discuss the robust clearance rates for this week. RBA governor Philip Lowe concluded his final appearance before the House of Representatives standing committee on economics and the question remains: will freezing rental prices secure votes? Here’s the latest update.
This week, they discuss:
- Auction activity and clearance rates
- Mr Lowe fronts Parliament for the final time as governor
- Banks report arrears remain low
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Adrian Suljanovic as they discuss the ACCC’s decision to deny ANZ authorisation to acquire Suncorp Bank, why it thinks a Bendigo/Suncorp merger could be better for competition, and reaction to the RBA’s August cash rate decision.
This week, they discuss:
- Why the ACCC is against the ANZ-Suncorp merger
- The new terminal cash rate forecasts
- The upcoming Australian Broking Awards (ABAs)
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss whether the RBA will hold or hike for August and new revisions for the cash rate peak, the stoush of the Housing Australia Future Fund, and Westpac’s revision to its clawback policy. This week, they discuss:
- Cash rate peak forecasts revised (again)
- The stand-off over the federal government’s housing bill
- What brokers would like to see on clawbacks
And much more!
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss why economists have been ripping up and reviewing their house price forecasts, Westpac’s move to separate out its business and consumer banking divisions, and Victoria’s move to curb rent increases.
This week, they discuss:
- House price forecasts revised to the upside
- Westpac’s third restructure in less than a decade
- Victoria’s move to curb rental hikes
And much more!
In this episode of Mortgage Business Uncut, the hosts discuss the recent property market trends and the challenges faced by borrowers. They highlight the concerns raised by the major banks about people not paying building insurance and the potential risks associated with it.
This week, they discuss:
- The impact of rising interest rates on borrowers’ spending and subscriptions
- The changes in the RBA’s meeting schedule and governance
- The new era for the RBA under the new governor Michele Bullock
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the latest activity in the auction markets, the increasing number of lenders bringing in serviceability exceptions, and reaction to the RBA’s July cash rate decision.
This week, they discuss:
- Clearance rates remain elevated amid dwindling stock
- Will ANZ change its buffers?
- Run Rocket Run’s huge 500km run in 106 hours
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Adrian Suljanovic as they discuss why peak cash rate forecasts have changed recently, what has changed in home buying incentives this financial year, and how the major banks’ mortgage books have been faring recently.
This week, they discuss:
- Why house prices are still rising
- Prediction changes for the terminal cash rate
- The expanded criteria for Home Guarantee Scheme for FY24
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Kate Aubrey and Adrian Suljanovic as they discuss the solid clearance rates this week, which lenders dropped their serviceability buffer, and there’s growing consensus from the major bank’s economists on where interest rates will peak.
This week, they discuss:
- New home sales and auction activity
- Major banks’ economists fear more hikes likely
- CBA lowers serviceability buffer
- New Broker Academy roadshow wraps up
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Annie Kane, Kate Aubrey, and Adrian Suljanovic, as they discuss the strength in the property market, new stamp duty reforms, and revised forecasts for the terminal cash rate.
This week, they discuss:
- The strongest auction activity in three months
- Why economists now think peak cash rate is 4.6%
- South Australia announces stamp duty exemptions for FHBs buying new homes
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Annie Kane, Grace Ormsby, and Adrian Suljanovic, as they discuss strong auction activity, whether it’s more affordable to rent or buy property at the moment, and why the terminal cash rate keeps moving.
This week, they discuss:
- How auction activity fared over the monarch’s birthday long weeked
- How economists reacted to the June cash rate decision
- Why APRA is keeping a close eye on buffer exceptions
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the strong demand for property and what’s driving it, predictions for the June cash rate call, and why a drop in refinance activity might just be a ‘blip’.
This week, they discuss:
- Why we are still seeing high auction clearance rates
- What the RBA will do to the cash rate in June
- Why refinance activity dropped in April
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the strength in the auction market and what’s driving high clearance rates, the raft of new land tax and stamp duty reforms announced across the country, and the arrival of the ‘fixed rate cliff’.
This week, they discuss:
- Serviceability and cashback changes at the lenders
- The Victorian, Western Australian, and NSW changes to stamp duty and land tax
- The size and scale of the fixed-rate cliff
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the news that buy now, pay later products will be regulated as credit lenders begin shifting serviceability assessments and NSW’s move to increase stamp duty waivers.
This week, they discuss:
- Westpac’s move to ‘streamline’ serviceability buffers for some borrowers
- Government’s move to regulate BNPL
- What the banks had to say to Senate’s inquiry on regional branch closures
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the ongoing strength of the auction market, why the budget 2023–24 left mortgagors wanting, and the significant news that (some) major banks will be pulling their cashback offers from market. This week, they discuss:
- Why industry is disappointed with the budget 2023–24
- The return of FHBs to market
- Is this the end of cashbacks!
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the latest figures around mortgage lending, a new refinancing record, and what we know so far about the budget 2023/24’s housing initiatives.
This week, they discuss:
- A new refinancing record and FHBs coming back into market
- What we know about the upcoming budget
- Stuart Robert MP announces his resignation
And much more!
On Tuesday (2 May), the central bank surprised many by announcing the cash rate would increase 25 bps to 3.85 per cent. But why did the central bank move to raise rates, rather than hold them for the second month in a row, as expected? In this Spotlight episode, host Annie Kane is joined by ifa editor Maja Garaca Djurdjevic to discuss:
- Why the RBA chose to restart its rate-hiking cycle
- Concerns the rate hike could bring about a recession
- Suggestions that more hikes are coming
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Annie Kane, and Dominic Rice as they discuss whether Australia has reached the terminal cash rate yet and whether the property market has reached an ‘inflection point’.
This week, they discuss:
- The inaugural Mortgage Business Awards, partnered by Resimac
- What economists think the RBA will do with the cash rate this month
- The expansion of the Home Guarantee Schemes
And much more!
In this Spotlight episode, sponsored by Resimac, we find out why the non-bank lender is championing a strong third-party channel and the importance of good culture in business. This evening, Mortgage Business will host its inaugural Mortgage Business Awards, run with the support of principal partner Resimac.
In this Spotlight episode, host Annie Kane is joined by Resimac’s general manager of distribution, Chris Paterson, to discuss:
- Why the non-bank lender is championing excellence in the mortgage distribution space
- The importance of creating good culture in business
- The future trends in mortgages to look out for
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock and Kate Aubrey as they discuss the weekly auction results, what the reshuffle in the central bank will mean for mortgage borrowers, and the latest home sales figures. Plus, a special guest pops in to share the inaugural Mortgage Business Awards taking place this week.
This week, they discuss:
- What happened with the RBA review
- Home sales fall as mortgage risk lifts
- Mortgage Business Awards coming this week
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss why the International Monetary Fund believes Australia’s housing market to be the second-highest riskiest (behind Canada), ongoing fallout from the Latitude cyber attack, and bank support for Western Australian borrowers impacted by cyclone Ilsa.
This week, they discuss:
- What makes Aussie housing ‘risky’?
- Mortgage flows streaming back to the majors
- Banking system on scam and hack watch
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss Latitude’s decision not to pay a ransom to the criminals behind their cyber attack, whether we are at the end of the property downturn, and Annie’s first TV appearance.
This week, they discuss:
- Why Latitude won’t pay a king’s ransom
- Terminal cash rate forecasts change again
- What RBA Philip Lowe told Mortgage Business about the home loan data it’s tracking
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the surprising trajectory of Australia’s house price trends, their punts on when the Reserve Bank of Australia will pause its rate hiking cycle, and the ongoing construction crisis plaguing home builders.
This week, they discuss:
- Building industry woes continue as Porter Davis collapses
- How long will the house price recovery last?
- Expectations for what the RBA will do on rates
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock and Annie Kane as they discuss Latitude Financial’s major cyber incident impacting millions of Australians, the appointment of a new chief executive at BOQ, and forecasts for next week’s RBA rate decision.
This week, they discuss:
- Millions of driver’s licences and passport numbers stolen from Latitude
- The new CEO at BOQ
- Will the RBA raise rates or pause next week?
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Annie Kane and James Mitchell as they discuss the ongoing banking crisis in the US, the latest in the Credit Suisse/UBS deal, and the pressures facing Australian home borrowers at the moment.
This week, they discuss:
- What happened at Credit Suisse
- Why the property market rise might be a ‘blip’
- Unpacking the serviceability challenge
And much more!
While demand for mortgages has started to ease, following record sales and property prices over the past few years, demographer Simon Kuestenmacher has tipped the 2030s will be “by far” the busiest and “most delicious” decade on the Australian property market. In this episode, host Kate Aubrey unravels what the next decade will look like in property, speaking with co-founder and director of The Demographics Group, Simon Kuestenmacher, who provides insights into how demographics changes will shape the mortgage market.
Tune in to find out:
- How the ageing population will be new opportunities for Millennials
- Why the broking industry will be booming in the 2030s
- Systemic housing policies needed
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock and Annie Kane as they discuss the collapse of Silicon Valley Bank in the US and its implications for the financial system, RBA’s changing language around rate hikes, and why Mark Bouris believes the central bank’s inflation target should change.
This week, they discuss:
- What led to the collapse of Silicon Valley Bank
- Three years on from COVID-19; how has the property market changed?
- Why the RBA may pause sooner rather than later
And much more!
In this episode of Mortgage Business Spotlight, Momentum Markets director Phil Tarrant catches up with Yellow Brick Road executive chairman Mark Bouris to discuss the challenges facing mortgagors and why the payroll tax issue could destroy the broking industry.
- Where to next for rate rises?
- Why he thinks the RBA should review its inflation target
- The damage the payroll tax issue could cause
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock and Annie Kane as they discuss the big payroll tax issue threatening the mortgage broking industry, upheaval and change at the Lendi Group, and forecasts for the RBA’s March cash rate decision.
This week, they discuss:
- The ins and outs of the payroll tax issue affecting aggregators
- Lendi Group’s restructure
- Why the RBA is expected to hike rates this month
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the uptick in bidders at auctions, the key themes emerging from mortgage lenders’ half-year results, and new forecasts for the terminal cash rate.
This week, they discuss:
- What’s driving high clearance rates
- How a fall in settlements is shifting lender priorities
- Why the cash rate is expected to peak at 4.1 per cent
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the ACCC’s new inquiry into how banks price in mortgage and savings rate hikes, a surprise spike in Sydney auction clearance rates, and the first evidence that borrowers are reining in spending.
This week, they discuss:
- Sydney clearance rates spike
- What the ACCC will look at it in its new inquiry on savings and mortgage rates
- The impact of rising rates on borrowers and financial stability
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss the moves being taken to encourage first home buyers into market in a rising rate environment, the new aggregator giant that has been formed, and why banks are being hauled to face parliamentary committees.
This week, they discuss:
- How NSW is luring first home buyers back into market
- The RBA’s move to raise the cash rate to 3.35 per cent
- Loan Market’s decision to retire the PLAN Australia, Choice Aggregation and FAST brands
And much more!
As rates continue to rise, more and more borrowers are turning to brokers to help alleviate their mortgage pressures. In this Spotlight episode, host Annie Kane is joined by Assetline’s nations head of sales and distribution, Royden D'Vaz, to discuss:
- What challenges and opportunities are on the horizon for mortgage borrowers
- How brokers can best support borrowers in 2023
- How Assetline is expanding its product range to offer more solutions
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the auction market, why refinancing is still soaring while new mortgage activity falls, and why the market expects the cash rate to rise by 25 bps this week.
This week, they discuss:
- What the RBA is expected to do with the cash rate in February and March
- Should APRA change the interest rate buffer?
- ANZ buys a shareholding in View Media Group
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the latest quarterly inflation data and what’s driving the highest Consumer Price Index levels for 33 years, how The Voice could benefit Indigenous home ownership, and how the first week of auctions fared.
This week, they discuss:
- A slow start to the 2023 auctions market
- How the 7.8 per cent inflation figure will weigh on the RBA
- Members of industry named in the Australia Day Honours list
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage marke. Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss inflation and house price forecasts’ what the lending and broker markets think about regulating the buy now, pay later sector; and the interesting move from the chief executive of MOVE Bank. This week, they discuss:
- How industry responded to the BNPL regulation consultation
- What will happen to property prices this year?
- Therese Turner’s move from MOVE Bank
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market.
Join Annie Kane and Kate Aubrey as they discuss the latest figures on lending and refinancing, what’s been done on a state-level to help support home buyers, and how the new inflation figures may impact the RBA’s next rate meeting.
This week, they discuss:
- Does APRA need to change serviceability buffers amid new lending slowdown?
- The official launch of NSW’s stamp duty opt-out scheme
- How housing is leading the inflation rise
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgage market. Join Alex Whitlock and Annie Kane as they discuss CoreLogic’s final figures for property values in 2022 and how mortgage rates are feeding into the largest annual drop in values since 2008.
This week, they discuss:
- Which areas are seeing property values change most dramatically
- How the property market might fare this year
- Why cyber crime is the number one security issue in Australia now
And much more!
RELATED LINK:
- Spotlight: The cyber security threats facing Australia
The last few years have seen an exponential increase in cyber attacks and cyber crime — with the need for strong cyber security of paramount importance. In this special Mortgage Business Spotlight episode, shadow minister for cyber security and shadow minister for countering foreign interference, Senator James Paterson joins Phil Tarrant (director - Momentum Media) and MAJGEN (retired) Dr Marcus Thompson to discuss the regulatory impediments preventing Australia from becoming a leader in cyber security.
Tune in to find out:
- The cyber security threats facing Australia and the role of the Australian Security Intelligence Organisation (ASIO).
- How foreign interference and espionage have overtaken terrorism as the primary security concern for Australia.
- The importance of attracting the right talent with the right skills to power Australian cyber security businesses.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Kate Aubrey in the final episode of Mortgage Business Uncut for the year, as they review the year that was and how the mortgage and property market changed.
This week, they discuss:
- Why the last week of auctions was unusually subdued
- The key trends that impacted mortgages in 2022
- What to look out for in 2023
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, Annie Kane, and Kate Aubrey as they discuss the rush of auction activity ahead of the holidays, the RBA’s cash rate decision for December, and why chances in the open banking system could benefit mortgagors. This week, they discuss:
- Auction activity and how rising rates are impacting new home sales
- The December cash rate and projections for February
- ANZ’s new commercial arm and head of commercial appointment
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the latest auction activity, the surprise announcement about George Frazis leaving BOQ (and is a bigger shake-up on the cards), and what to expect from the RBA this week as they announce the cash rate decision for December.
This week, they discuss:
- A rush in auctions ahead of the holidays
- What’s happening at BOQ Group?
- Final call for video submissions for Mortgage Business Awards
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock and Annie Kane as they discuss how the auction market has fared this spring, what’s being done to support home buyers into market, and why the RBNZ bumper rate movement means all eyes are on the RBA for next week. This week, they discuss: * The latest in auction activity and how the spring market fared * AMP Bank’s new partnership with Bricklet * Final call for video submissions for Mortgage Business Awards
And much more! Donate to Rodney (Run Rocket Run) Cottam's fundraising run for Invictus Australia at https://runrocketrun.raisely.com/
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Kate Aubrey as they discuss price falls in the regions, mutual merger gets the green light, and why brokers are fuming over ‘unfair’ clawbacks.
This week, they discuss:
- The IMF’s reports on Australia’s economy post-visit
- Brokers pay the price of cashback incentives
- Heritage Bank and People’s Choice gets the green light
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss the ACCC’s consultation into the harm caused by data quality issues in open banking (and what action needs to be taken to fix it), why NAB isn’t actively chasing mortgages, and whether banks are profiting from clawback.
This week, they discuss:
- The ACCC’s consultation on the harm caused by poor data in open banking
- The Assistant Treasurer’s call for evidence on the economics of clawbacks
- Why NAB doesn’t think now is the right time to be growing mortgages
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss how the government’s guarantee schemes are helping support a growing proportion of first home buyers, the latest mergers and new arrivals in the banking space, and the winners of the Women in Finance Awards 2022.
This week, they discuss:
- Which states benefited most from the government guarantee schemes
- What the Newcastle Permanent/Greater Bank merger means for brokers
- The newest bank to be granted a RADI
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the cooling auction market and how property is feeding into inflation, a recap of the budget 2022/23 and the budget reply, and why the market is split on how high the RBA will lift rates.
This week, they discuss:
- Labor’s first budget in nearly 10 years
- The impact house prices are having on inflation
- What the RBA is expected to do on Cup Day
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss the top property market trends that brokers need to know about and Tuesday’s (25 October) budget and what we know so far.
This week, they discuss:
- Why using YOY growth can be misleading
- NAB’s new market megatrends report for brokers
- What we can expect from Jim Chalmers’ first budget
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss the recent flooding and support available for homebuyers, the Treasurer’s thoughts on the ‘global recession’ and the upcoming Budget, and what the new investor roundtable into housing will be focusing on.
This week, they discuss:
- How flood victims are being supported
- Australia’s economy and state of the property market
- BOQ eyes digital mortgages
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the RBA’s (somewhat surprising) cash rate decision, forecasts for how the the cash rate and house prices will change this year, and why all eyes are now on spending.
This week, they discuss:
- The October cash rate and how it surprised many
- What house prices are expected to do this year
- The Women in Finance Awards 2022
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
JoinAnnie Kane and Kate Aubrey as they discuss the first month of the Spring selling season and why it might be slower than usual, forecasts for this month’s RBA cash rate decision, and QLD’s decision to scrap its controversial land tax.
This week, they discuss:
- Falling home values and auction activity
- Why Queensland has scrapped its land tax changes
- Predictions for the RBA rate call for October
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, James Mitchell and Kate Aubrey as they discuss the weekly auction results, the construction industry’s increase in revenue while fewer homes are built, and consolidations approved in a bid to spark more competition in the industry.
This week, they discuss:
- Auction activity eases
- Builder revenue up, while fewer homes built
- More mutuals consolidate
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, James Mitchell and Kate Aubrey as they cover the weekly auction results, the expectation that the RBA will slow aggressive rate hikes and a exclusive report signalling that trust in third-party and lender channels has grown.
This week, they discuss:
- RBA flags rate hikes to ease
- Trust in third-party and lender channels increases
- Class action investigation into major brokerage
And much more!
In this exclusive interview with shadow financial services minister and former assistant treasurer, Stuart Robert MP, editor of mortgages Annie Kane finds out what the Morrison government really thought about the banking royal commission’s broker remuneration recommendations.
The former assistant treasurer reveals why the government was “uncomfortable” with brokers being included in the banking royal commission, and its reasons for scrapping its “action” on broker remuneration.
Tune in to find out:
- How Treasury reacted to the recommendations on broker remuneration
- How the broking community engaged with the Coalition government
- Why he thinks brokers are an asset to borrowers
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, James Mitchell and Kate Aubrey as they discuss the weekly auction results, the anticipation the rate hike could slow following September’s 50-bp bump, and what borrowers are saying about the third-party channel.
This week, they discuss:
- Falling home values and auction activity
- Where the RBA will go
- How borrowers feel about their broker
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kaneas they discuss the first auction results of Spring, the falling home values and whether it’s something to panic about just yet, and forecasts for this month’s RBA cash rate decision.
This week, they discuss:
- Falling home values and auction activity
- Why Queensland’s land tax changes is invoking ire
- Whether the RBA will need to hike harder to curb spending
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Kate Aubrey as they discuss the latest auctions and financial results, a royal commission into the Robodebt scheme, and the inquiry into former Prime Minister Scott Morrison’s ‘secret ministries’.
This week, they discuss:
- Construction company collapses continue to bite
- Why the royal commission into Robodebt has been launched
- A new inquiry into ‘secret ministries’ and improving transparency
And much more!
With demand for mortgages starting to ease back, many in the financial services space are looking at ways of diversifying into new areas. In this Spotlight episode, partnered by Shift, we find out how and why.
In this episode, host Annie Kane is joined by Shift’s sales director, Kristian McCausland, to discuss why and how the financial services industry is writing and supporting more small-business clients in achieving their dreams.
Tune in to find out:
- The current trends in the SME finance space
- Why more people are diversifying
- Why Shift is offering its insights and analysis platform to brokers for free
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Kate Aubrey as they discuss the Australian Broking Awards 2022, a range of new announcements from NSW government for home owners, and the RBA’s decision to start consulting with private economists.
This week, they discuss:
- NSW to look at buy-back and land swaps for flood victims
- The RBA expands its economic engagement
- Why the RBA may be on no “pre-set path” on cash rate decisions
And much more
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss the appointment of Anja Pannek as MFAA CEO, trends and comments from lenders as results season continues, and the disconnect between sentiment and spending. This week, they discuss:
- The appointment of a new MFAA CEO
- Lenders backing brokers and digital mortgages
- This Friday’s Australian Broking Awards
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss the RBA’s cash rate decision, the refinancing boom and lending data trend analysis, and all eyes on Suncorp’s latest results.
This week, they discuss:
- How lenders reacted to the August cash rate decision
- A new record for refinancing
- Suncorp Bank’s FY22 results
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss what the market expects the RBA to do with the cash rate at its Tuesday (2 August) board meeting, the federal Treasurer’s first economic outlook and revised forecasts, and Westpac’s move to digitise the mortgage process to help borrowers access home loans faster.
This week, they discuss:
- Predictions for the RBA’s August cash decision
- New inflation and growth forecasts
- The latest lender to announce a digi home loan process
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss further details of the upcoming RBA Review and who is leading it, notable new appointments in the finance space, and a new jobs board specifically for the mortgage and finance industry.
This week, they discuss:
- What the federal Treasurer wants from the RBA Review
- Josh Frydenberg’s new job outside of political office
- The launch of Mortgage & Finance Jobs
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Kate Aubrey as they head west and look at the WA government’s home loan pilot for the city’s empty apartments. Suncorp Bank announce its major sale to ANZ and it’s confirmed Labor won’t be revisiting the removal of responsible lending obligations.
This week, they discuss:
- WA’s home loan pilot for apartment purchases
- ANZ’s purchase of Suncorp Bank
- Labor confirms support for RLOs
And much more!
The digitisation of the mortgage process has been accelerated in the past two years, but we’re still only at the advent of bringing the home-buying process into the 21st century. In this Spotlight episode, partnered by LEXTECH, we find out what’s on the horizon for digitising mortgages.
In this episode, host Annie Kane is joined by Jack Meredith, the chief operating officer of cloud-based mortgage settlement platform LEXTECH, to discuss the revolution of the mortgage process in Australia, brought about by digital transformation and technology.
Tune in to find out:
- Why we’ve only just seen the first “baby steps” into mortgage process digitsation
- The opportunities facing the mortgage and finance industry
- How LEXTECH aims to deliver transparency to all players of the mortgage process
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss the ongoing impacts of the floods in NSW and whether lenders will start blacklisting flood-plain housing, why the RBA is expected to “pause” on lifting rates in September, and the licencing of Australia’s first Islamic bank.
This week, they discuss:
- The RBA’s July rate hike and predictions for the months ahead
- How sharia-compliant home finance products work
- The RADI model and its bumpy journey so far
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Kate Aubrey as they discuss the closure of Volt Bank and the changing neobank market, why clearance rates and the auction market continue to fall, and predictions for the July cash rate decision.
This week, they discuss:
- Why home buyer confidence continues to fall
- The challenges facing challenger banks
- What economists think the RBA will do on rates
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Kate Aubrey as they discuss the dwindling auction market, which regions young Australians have been flocking to, NSW’s annual property tax, and the dramatic turn of events following the Humm/Latitude deal collapse.
This week, they discuss:
- How far will house prices fall before year end?
- The regional areas proving popular with home buyers
- NSW’s stamp duty vs property tax option
And much more!
Open banking and the consumer data right have been in effect in Australia for years, but only starting to feed through into mortgages now. We find out how the new regime will impact mortgages.
Partnered by NextGen
In this episode, host Annie Kane is joined by NextGen’s head of broker partnerships, Renee Blethyn, to unpack and demystify the open banking and consumer data right and what that means for mortgages and mortgage brokers.
Tune in to find out:
- The benefits the regime provides to borrowers, brokers and lenders
- How the “trusted adviser” rules work in practice
- What’s next for open banking in Australia
And much more!
Related Links:
- NextGen
- Open banking most used for expense verification: Frollo
- Open banking ‘a pivotal event’ for mortgage industry: NextGen.Net
- NextGen.Net eyes open banking space with new acquisition
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the changing property and auction market, what we know so far about housing affordability from NSW and Queensland's state budgets, and why turnarounds are decreasing in importance to brokers.
This week, they discuss:
- House prices and auctions continue to fall
- The NSW and Queensland state budgets for 2022
- The latest Broker Pulse findings
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss why auction clearance rates and house prices continue to fall, changing rate forecasts for the year ahead, and NSW’s reported move to change stamp duty.
This week, they discuss:
- The RBA’s surprise 50 bps move
- How lenders have reacted
- Good news for savers at last
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the balancing act that the Reserve Bank needs to play between easing back inflation without squashing confidence, the continued softening of the auction market, and which lenders brokers are most favouring.
This week, they discuss:
- The RBA’s Tuesday (7 June) meeting and what economists think may happen
- Why auctions and clearance rates are falling
- The results of the Third-Party Lending Report 2022
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the softening auction market, the increasing focus on affordability, and why a former ASIC deputy chair thinks clawback should be abolished.
This week, they discuss:
- The housing and inflationary environment in the UK and Australia
- What Daniel Crennan QC thinks about clawback
- This week’s grand finale of the Better Business Summit roadshow
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Sarah Simpkins as they discuss the results of the federal election 2022, the Labor party’s housing policies, and why clearance rates are falling.
This week, they discuss:
- The preliminary results of the federal election
- What Anthony Albanese has promised to address housing affordability
- What the mortgage industry wanted from the election
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Sarah Simpkins and Momentum Media’s real estate editor Grace Ormsby as they discuss Scott Morrison’s latest proposal for first home buyers and declining housing affordability.
This week, they discuss:
- The time frame to save a 20 per cent housing deposit across Australia blowing out to 11 years
- Should home buyers be allowed to use their superannuation savings for a housing deposit?
- Queensland reviewing rejected HomeBuilder applicants
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the impact of the Reserve Bank of Australia’s decision to raise rates by 25 bps on borrowers, the Labor Party’s comments around commission clawback, and why the property auction market might be cooling.
This week, they discuss:
- What’s causing a drop in auctions and clearance rates
- What the major banks think about the impact of rising rates on borrowers
- What Stephen Jones MP thinks about broker remuneration and clawbacks
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss market forecasts and predictions of what the Reserve Bank of Australia will do at its meeting on Tuesday (3 May), why auction clearance rates continue to fall, and the new housing pledges from the Australian Labor Party.
This week, they discuss:
- The CPI figures and whether that will play into the RBA’s cash rate decision
- The ALP’s Help to Buy shared equity scheme for home buyers
- Silent disco conferencing at the Better Business Summit
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss what auction clearance rates are telling us about the property market, why Westpac believes a 40bps rate hike is coming in June, and the major bank’s $113m fine. This week, they discuss:
- How the public holidays have been impacting auctions
- Why everyone is focused on Wednesday’s CPI announcement
- The $113m penalty Westpac is paying for incorrect charges to customers
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss New Zealand’s rate hike and what the Fed might do, the discharge issues brokers are facing while trying to refinance clients into new loans, and changes to the Home Guarantee Scheme.
This week, they discuss:
- RBNZ’s unusual 50-basis point rate increase
- The bad blood being caused by retention teams
- New price caps for the Home Guarantee Scheme
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss why economists at the major banks all now expect rate rises to start in June, the election date and Anthony Albanese’s blunder about the cash rate and unemployment figures.
This week, they discuss:
- The RBA’s thoughts on how borrowers can manage rate rises
- Where rates will be by 2023
- A punchy start to Day 1 the election campaign
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss Sarah’s experience of the the federal government’s media lock up for the Budget 2022-23, the key takeaways for the mortgage market, the Labor Party’s reply, and Pepper’s new acquisition.
This week, they discuss:
- What’s in the Budget 2022-23 for housing
- The outlook for the cash rate
- Pepper’s deal with Stratton Finance
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Sarah Simpkins and Momentum Media’s real estate editor Grace Ormsby as they discuss the newly launched housing plans from the Liberal and Labor parties, climate change and its effect on property, and the longstanding Connective shareholder lawsuit.
This week, they discuss:
• Proposed housing schemes targeting regional first home buyers
• Should home buyers consider extreme weather events when buying property?
• Revelations from the Connective shareholder dispute
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Sarah Simpkins as they discuss the federal government’s decision to drop its review of broker remuneration, the findings of the Housing Affordability Inquiry, and the sale of La Trobe Financial.
This week, they discuss:
- Why remuneration won't be a federal election issue anymore
- Should super be used as mortgage security?
- New acquisitions in the lending space
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss last week’s flooding in NSW, the increasing support available to those impacted, and AFCA’s new funding model.
This week, they discuss:
- The FBAA conference
- Annie’s own experience of the flash flooding in the northern beaches
- What the proposed AFCA changes mean for industry
And much more!
In this special episode, Momentum Media director Phil Tarrant and MAJGEN (Ret’d) Marcus Thompson, former head of the Department of Defence’s Information Warfare Division, discuss Russia’s history of cyber war and how this vector will continue to shape peace and conflict in the future.
After discussing a recent opinion piece penned by MAJGEN (Ret’d) Thompson in The Australian Financial Review regarding Russia’s history of cyber and information warfare, the duo outline the necessity of ensuring Australian businesses are prepared for cyber attacks and the weaponisation of the digital world.
Tune in to find out:
- How the Ukraine conflict could impact Australian business
- The way malicious actors work in concert with state-sponsored groups to exploit the cyber domain; and
- Why cyber remains an integral part of both hybrid and grey zone warfare
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the ongoing floods crisis and the support available, the March cash rate decision and how the Ukraine conflict could impact the RBA’s cash rate decision, and ANZ’s new structure and what it means for the bank.
This week, they discuss:
- How the industry is supporting flood victims
- The cash rate outlook
- Annie bought a home!
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the support available to those impacted by the ongoing floods in Queensland and NSW, what the shadow financial services minister had to say about affordability and the broking industry, and surprise at ASIC’s levies bill.
This week, they discuss:
- How banks and brokers are supporting flood victims
- Why Stephen Jones MP moved to the broker channel after being a direct customer
- Industry reaction to the surprise increase in ASIC levies
And much more!
In this exclusive interview with shadow financial services minister and shadow assistant treasurer, Stephen Jones MP, join Momentum Media’s editor of mortgages Annie Kane as she speaks to the member for Whitlam about the valuable role that financial advisers and brokers play in supporting Australian borrowers and what the Australian Labor Party would offer the financial services, credit and superannuation space should it win the federal election.
Tune in to find out:
- Why he thinks the FASEA education changes have been a debacle
- The reason he changed from going direct to using a mortgage broker
- What he thinks financial and credit advisers need to be focusing on moving forward
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the findings of Momentum Intelligence’s special election poll, what key areas the mortgage lending industry is prioritising this election, and new entrants and exits from the lending space.
This week, they discuss:
- What is on the wish list for the election 2022
- Cash rate forecasting in focus
- Bankwest’s withdrawal from business banking
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Sarah Simpkins as they discuss RBA governor Philip Lowe’s comments on housing supply and the government sneaking in policy changes around housing ahead of budget.
This week, they discuss:
- Parliamentary discussions on housing supply
- Superannuation changes that affect first home buyers and property downsizers
- AMP launching a digital home loan offering
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the ongoing challenges around housing affordability (and how disruptors such as OwnHome are looking to overcome it), two mortgage managers launch new non-bank lending brands, and the key appointment changes making headlines.
This week, they discuss:
- Solutions to the affordability problem
- Westpac‘s restructure
- AMP Bank’s new head of lending operations
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss speculation around the cash rate and Labor’s election promise to the broker industry.
This week, they discuss:
- ANZ’s cash rate predictions and the RBA’s first monetary policy meeting for the year
- Comments from the shadow minister for financial services on broker remuneration
- New state government support measures for businesses and home buyers
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the latest predictions for when the cash rate will change, and an update on the Finsure sale.
This week, they discuss:
- Why Westpac has changed its cash rate predictions
- The next phase of the Finsure sale
- A new head of retail mortgages – broker at Pepper
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss some of the biggest themes and issues coming for the mortgage industry this year.
This week, they discuss:
- What’s on the horizon for interest rates and property demand
- Is financial services law overly complicated?
- Annie’s COVID-19 experience
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join news editor Sarah Simpkins and Grace Ormsby, deputy editor, real estate at Momentum Media as they discuss property and regulation issues for the upcoming federal election, speculation around the house market for 2022 and buy now, pay later.
This week, they discuss:
- Both major parties signalling support for a review of the Reserve Bank
- Data around HomeBuilder
- Buy now, pay later in property
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Sarah Simpkins in the last podcast of the year as they discuss the major themes and news from the calendar year 2021.
This week, they discuss:
- The changing regulatory regime
- Mergers and acquisitions in the broking and lending spaces
- Changes to mortgage serviceability and home loan trends
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Sarah Simpkins as they discuss the new record in the number of property auctions, ANZ being taken to court by ASIC, and the action the financial services regulator has taken overall since the banking royal commission.
This week, they discuss:
- The markets where auctions have been particularly booming
- What ASIC’s latest royal commission case entails
- The winners of the Women in Finance Awards 2021
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the rising share of investor loans in market and the first moves by APRA to control investor lending, new research looking at how borrowers view broker remuneration, and Momentum Intelligence’s new poll gathering the mortgage and finance industry’s wishlist for the election 2022.
This week, they discuss:
- The increasing supply of houses on market
- Movements in investor lending and APRA’s capital changes
- This week’s Women in Finance Awards
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the latest mergers and acquisitions, including NAB’s acquisition of Citi’s retail bank, the MoneyQuest-Buyers Choice merger and ScotPac’s new foray into mortgages.
This week, they discuss:
- The record week of auctions
- What’s driving mergers and acquisitions in the mortgage space
- This week’s Australian Broking Awards 2021
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss why more economists are predicting house prices to fall in 2023, the ongoing conversation around affordability and Bluestone’s new affordability index findings, and what the consultation on regional branch closures is seeking to understand.
This week, they discuss:
- How mortgages could be made better
- Why house prices are expected to cool in 2023
- The rising importance of brokers in the regions
And much more
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the latest data from the FBAA on what borrowers think about the impacts of rising interest rates, what the RBA’s data tells us about cash buffers, and what levers APRA has in its arsenal to pull should it feel that financial stability it at risk .
This week, they discuss:
- The anxiety borrowers feel about rising rates
- What is driving strong auction rates
- DTIs and LVR lending limits
And much more
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss why speculation is mounting that the RBA may raise rates sooner than expected, what the RBA has to say about it, and why consumer-facing technology is becoming the latest thing in the mortgage market.
This week, they discuss:
- Which capital cities have seen unusual price activity
- What the central bank has to say about cash rate movements
- The growing move to give consumers mortgage tech
And much more
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Sarah Simpkins as they discuss ANZ and Macquarie’s financial results, what the latest auction results show, and if the cash rate is set to creep up sooner than expected.
This week, they discuss:
• How borrowers might be affected by APRA’s increased buffer rate
• Why ANZ’s mortgages growth slowed and how the bank has responded
• Speculation around interest rates and the latest inflation figures
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss why the government is setting up a taskforce to look into regional branch closures, what the latest auction results show, and YBR’s new digital offering.
This week, they discuss:
• Which auction markets are the hottest at the moment
• Why borrowers need face-to-face credit advice
• More players looking to cover both digital and broker channels
And much more
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the easing of lockdowns in NSW and Victoria and its impact on auctions, political commentary around COP26 and whether mortgagors would have to pay more if Australia doesn’t commit to net-zero emissions, and the departures of several lender CEOs.
This week, they discuss:
- Why a Nationals Senator is telling international bankers to “bugger off”
- Josh Frydenberg’s interview with Momentum Media and his stance on negative gearing
- A rash of lender CEO changes
And much more
In this exclusive interview with federal Treasurer Josh Frydenberg, join Momentum Media director Alex Whitlock as he speaks to Mr Frydenberg about the valuable role smaller lenders and brokers play in providing competition in the home loan market, the future of the housing market, and what lies ahead for Australia’s economy as NSW and Victoria emerge from lockdowns.
Tune in to find out:
- His thoughts on competition and the hot property market
- Why he thinks negative gearing is an important feature of the housing market
- Why the Treasurer believes the best days of broking are ahead of us
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss APRA’s expectation for banks to introduce new interest rate buffers, what the broking industry thinks the ramifications could be on borrowers, and how the government’s guarantee programs have been supporting home buyers.
This week, they discuss:
- When and how the new serviceability buffers will be introduced
- What the broking industry heads think of the APRA changes
- Why brokers are writing a growing proportion of FHLDS and NHG loans
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the commentary and ongoing debate around potential new macroprudential measures, the swathe of new regulations that have come into effect for the credit industry, and the changing flows of new lending.
This week, they discuss:
- Reaction to potential debt-to-income limit changes
- The slowdown of owner-occupied lending growth
- The new royal commission-related regulations
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the commentary and ongoing debate around rising credit demand, responsible lending and what the IMF thinks Australia can - or should - do about housing affordability.
This week, they discuss:
- IMF, RBA and bank CEO commentary about mortgage lending
- Record levels of household wealth
- The huge threat of cyber attacks and scams
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the ongoing affordability inquiry and what’s causing record-breaking price increases. With some lenders suggesting more interrogation is needed on borrowers to ensure they’re able to service loans, the conversation is hotting up around whether intervention is needed to cool rising debt-to-income ratios.
This week, they discuss:
- The factors driving escalating prices
- Criminal charges levelled against the banks
- Increasing deferrals and SME stress
And much more!
Welcome the first edition of the Cyber Security Uncut podcast with our hosts Major General (Ret'd) Marcus Thompson, former head of the Department of Defence's Information Warfare Division, and Phil Tarrant, director — defence and security at Momentum Media.
The Cyber Security Uncut podcast is a fortnightly podcast unpacking Australia's innovative and vibrant cyber security sector, from the latest business trends facing the industry through to breaking global news.
The pair begin by analysing the emerging trends within cyber warfare and the growing use of information operations as an exploitable domain. They also examine how cyber security is an ever growing financial risk to Australian companies, discussing the importance of cyber security protocols within businesses.
The podcast wraps up by analysing the importance of a sovereign cyber security industry in Australia to service the nation's growing cyber security needs.
Enjoy the podcast,
The Cyber Security Connect Team
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the importance of mental health support during lockdowns, the new inquiry in housing affordability (and what the major bank CEOs and APRA have to say about it), and the new bank that is targeting SMEs.
This week, they discuss:
- The impact of lockdowns on auctions and mental health
- The new housing affordability inquiry
- Who Avenue Bank is and what it aims to do
And much more!
This year's R U OK? Day serves as an important reminder to open up the conversation on mental health, both in the workplace and at home, according to David Coleman, member for Banks and Assistant Minister to the Prime Minister for Mental Health and Suicide Prevention.
In this special episode, join Momentum Media director Alex Whitlock as he speaks to Mr Coleman.
Together, the pair discuss the importance of shining a spotlight on mental health issues, share why the consequences of stigmatising mental health are significant, and reveal how you can make a difference to your workplace, community, family and friends.
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Sarah Simpkins as they discuss what the recent spate of statistics are showing us about lending trends, the RBNZ’s new move to further limit high-LVR lending, and what the latest MFAA stats show us about broker share.
This week, they discuss:
- Why investor lending is rapidly rising
- How the major bank’s loan books are faring
- Why the RBA is unlikely to follow RBNZ’s new LVR stance
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the hot property market and updated estimates of how much house prices will increase this year, the record level of broker settlements and originations in FY21, and why the ACCC wants to kickstart a review of giving it more power to intercede in merger proposals.
This week, they discuss:
- Why house price estimates for 2021 continue to change
- The latest FY21 financial results from lenders and aggregators
- Why Rod Sims thinks the merger control system needs reform
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss how the latest round of lockdowns are impacting auctions, buyer sentiment and investor activity, the proposed merger of Heritage Bank and People’s Choice, and why lenders are seeing increasing value in the broker channel.
This week, they discuss:
- How lockdowns are impacting auctions and investors
- Heritage Bank and People’s Choice proposed merger
- Why MyState Bank and Volt Bank are backing brokers
And much more!
Join host Alex Whitlock as he invites his guests to open up on the biggest issues and opportunities facing the mortgage and finance industry.
Volt Bank CEO Steve Weston gives us a unique insight into the evolving digital banking proposition, the factors that steered him to launch the first neo-bank to secure a restricted ADI license in Australia and why brokers are critical to success.
Tune in to find out:
- How the neo-bank plans to scale
- The future for high-speed digital mortgages
- Why Volt backed third party distribution
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the growing trend of banks buying fintechs and ramping up their digital skills, how lender turnarounds are faring for broker-lodged loans, and the new swathe of financial services laws coming in.
This week, they discuss:
- Bendigo and Adelaide Bank’s purchase of Ferocia
- The potential tie between turnarounds and broker flow
- The new laws coming into effect in October
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the latest mergers and acquisitions in the lending space, and why this trend is expected to continue, as well as what the RBA and RBNZ are doing to ensure mortgage lending is sustainable and sound.
This week, they discuss:
- Latitude’s acquisition of Symple Loans
- Why RBNZ is looking at tightening lending standards further
- Why more lenders are looking at merging
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the national COVID-19 pathway and lockdowns, what broking industry representatives told MPs about the value of the broker proposition; and why more banks are closing branches this year.
This week, they discuss:
- How auctions and house prices are faring
- What the standing committee on economics thinks of complexity in the mortgage space
- Why more lenders are reducing hours at their branches
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Sarah Simpkins as they discuss spanners being thrown in the works for the $120 million merger of aggregators AFG and Connective, ASIC raising regulatory levies for the credit industry, and industry talk around COVID-19 vaccinations.
This week, they discuss:
• The AFG and Connective merger
• Brokers being urged to get their shots and companies offering paid vaccination leave
• A lender wanting more support for SMEs through lockdown
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Sarah Simpkins as they discuss the new support measures being announced by lenders to support those in continuing lockdown; additional royal commission legislation that has been released for consultation; and Annie’s hairdressing skills (or lack thereof).
This week, they discuss:
- CBA’s new foreclosure moratorium
- The proposed compensation scheme of last resort levy
- Why a broker has started a new bridging loan company for mortgagors
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and news editor Sarah Simpkins as they discuss the reasons that major banks have for the broker and direct channel divide for home loan approval times, how COVID-19 restrictions are impacting auctions and businesses, and the future of bank branches.
This week, they discuss:
- Expanded COVID support from banks
- What CBA, NAB, Westpac and BOQ say causes delayed broker application approvals
- Mass branch closures across the major banks
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss what the non-major bank CEOs had to say about the time it is taking major banks to approve and discharge loans, how lockdowns are impacting auctions and buying sentiment, and a new consultation to give brokers access to open banking data.
This week, they discuss:
NAB’s research on home buying sentiment
What ING, Volt Bank and Judo Bank CEOs had to say about turnaround delays
Treasury’s consultation on amending the CDR rules for brokers
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss Sydney’s lockdown and its impact on the auction market, the ongoing need for a digitised mortgage and property-buying process, and new appointments of note.
This week, they discuss:
- What initial data shows about the impact of lockdowns
- Predictions of the future of mortgages from Macquarie Technology Summit
- The new phase of open banking
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss BOQ’s acquisition of ME Bank and the next steps, a new digital bank set to launch this week, and what brokers are most concerned about at the moment.
This week, they discuss:
- The next steps for the BOQ/REA deal
- Australia’s new customer-owned digital bank
- The latest appointments and M&As
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the latest updates in REA’s proposed acquisition of Mortage Choice, which lenders brokers are turning to (according to the Broker Pulse survey for May), and what the industry thinks a realistic discharge time is for mortgages.
This week, they discuss:
- The next steps for the REA/Mortgage Choice deal
- How broker experience influences lender flows
- Disaster relief for those affected by Victoria floods
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss how new records are being broken in the mortgages space, the move from 86 400 to go digital, and AFG’s $15m investment in Volt Bank.
This week, they discuss:
- Surging broker channel settlements
- Why neobank 86 400 is going direct
- AFG and Volt’s strategic alliance
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as what’s been happening in the auction market in Melbourne during the circuit breaker lockdown, what they were hearing from delegates of the Better Business Summit 2021, and some of the top news stories from the week.
This week, they discuss:
- Why auctions are still faring so well
- Better Business Summit and Awards (and a new date for Victoria’s event)
- New business grants for Victorian SMEs
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Alex Whitlock and Annie Kane as they discuss why lenders are starting to raise the interest rates on longer-length fixed rate mortgages, the latest arguments for and against the repeal of responsible lending, and how turnarounds are impacting broker perception of the lenders.
This week, they discuss:
- The cost of mortgages
- Pauline Hanson’s comments on RLO repeal
- The findings of the Third-Party Lending Report
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss some of the initiatives being proposed by the Labor party and the Victorian government around home ownership and property tax, feedback from lenders about the Budget 2021/22, and the upcoming Better Business Summit 2021.
This week, they discuss:
- Industry reaction from the Budget 2021/22
- Why the ALP is focusing on social housing
- New proposed property taxes from the Andrews Government
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss some of the initiatives from the budget 2021-22 that impacts home buying and mortgage finance, the latest in mergers and acquisitions, and Pepper Money’s upcoming IPO.
This week, they discuss:
- What is being done about the rapid rise of house prices
- New government-backed measures to support home buying
- What we will see from the re-listed Pepper Money
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the news that Aussie CEO James Symond will be stepping down from the company, the influence and legacy of the Symond family, the latest stats around auctions and house prices in the capital cities, and Firstmac’s $2-billion RMBS.
This week, they discuss:
- Reaction to James Symond’s announcement
- What has been happening in the auction market
- Non-bank RMBS issuances
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the new partnership between major brokerage Aussie and fintech Tic:Toc, which will provide the brokerage brand with a direct-to-consumer offering; the latest on the turnaround time controversy, and more non-banks considering listing on the ASX.
This week, they discuss:
- Reaction to Aussie’s move to offer a non-broker mortgage service
- What the FBAA and MFAA are saying about the turnaround time disparities
- Latitude joining the ASX
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the latest auction and home building stats, the growing discontent around channel differentials for mortgage approvals, and Citi’s announcement that it is to sell its Australian consumer banking business.
This week, they discuss:
- How HomeBuilder has impacted the housing market
- Broker channel vs proprietary channel turnaround time inequalities
- Why Citi is pulling its mortgage and banking business
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the hot competition for houses, what steps could be made to make saving for a deposit easier, and why the Victorian government is calling for credit card reform.
This week, they discuss:
- The average deposit required for a home in Australia
- Increasing calls for super to be used to help home ownership
- Why Victoria wants to see credit card interest rates changed
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the RBA cash rate decision for April, the forecasts for house prices (and what APRA and the RBA say their roles are in managing them), and a new CEO of AMP.
This week, they discuss:
- What levers are available to cool the market
- A new female CEO of AMP
- ASIC’s new court case against CBA
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Malavika Santhebennur as they discuss the REA Group’s proposed acquisition of major brokerage Mortgage Choice, the ongoing trend of mergers and acquisitions in the broker and aggregator spaces, and the busiest week for property auctions for the week ending 28 March since the week prior to Easter 2018.
This week, they discuss:
- The proposed acquisition of Mortgage Choice by REA Group
- What all the mergers and acquisitions mean for the broking sector
- Strong, record-breaking auction numbers across Australia
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the NSW floods and how lenders are helping borrowers by providing relief, the Commonwealth Bank’s new buy now, pay later product, and what the latest stats are telling us about broker-originated loans.
This week, they discuss:
- How long the responsible lending bill will be postponed for
- Brokers writing a record volume of mortgages
- CBA’s new buy now, pay later offering
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss why the Senate economics legislation committee believes responsible lending laws should be repealed, the arguments for and against the move, and the government’s new initiative to help SMEs coming off JobKeeper.
This week, they discuss:
- The recommendations of the Senate inquiry into the repeal of responsible lending oblgations
- How house prices, auctions and arrears are faring
- The SME Recovery Loan Scheme
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the latest Opportunities for Women report from the MFAA showing a falling number of female brokers, Westpac’s new report on vendor appetite, and where Aussie CEO James Symond views the future of broking is headed.
This week, they discuss:
- International Women’s Day and the Opportunities for Women report
- The strong auction market and why more vendors might be looking to sell
- James Symond’s thoughts on the evolution of mortgage broking.
And much more!
Mortgage and Finance Leader gives you a unique insight into the mindset of the most influential figures in Australia’s $2.7-trillion mortgage industry.
Join host Alex Whitlock as he invites his guests to open up on the biggest issues and opportunities facing the mortgage and finance industry.
In this episode, Aussie CEO James Symond looks back at the origins of the Aussie brand and how it got to where it is today, and considers the evolution of the brand and the broking industry as a whole.
Tune in to find out:
- The origins of Aussie and how it disrupted the mortgage market
- The keys to running a successful brokerage
- The new chapter with Lendi
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the breaking news regarding the completion of Loan Market’s acquisition of NAB-owned aggregation groups Choice, FAST and PLAN, the growth in home values and auctions, and what the final hearing for the Senate inquiry into changing responsible lending obligations revealed.
This week, they discuss:
- Rising auction levels and home values
- What CAFBA and Treasury had to say to Senate
- The changing of hands for Choice, FAST and PLAN.
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the breaking news regarding BOQ’s acquisition of super fund-owned lender ME Bank, how the auction market is faring, and what the Senate hearings into the repeal of responsible lending obligations delved into on Friday.
This week, they discuss:
- BOQ’s acquisition of ME Bank
- Annie’s first experience attending an auction
- The arguments for and against the repeal of RLOs
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss some of the biggest news from the financial results reporting season so far, what CBA CEO Matt Comyn said about the disparity between channel turnaround times, and the latest lender appointments and product launches.
This week, they discuss:
- CBA’s strong mortgage growth
- The retirement of Macquarie Bank’s CEO
- The Non-Bank Product of Choice survey
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the booming house market and the RBA’s thoughts on the matter, the reissuing of First Home Loan Deposit Scheme guarantees, and SocietyOne’s new secured personal loan product.
This week, they discuss:
- Philip Lowe’s comments on lending and house prices
- Why FHLDS places are being reissued
- SocietyOne’s new secured personal loan and potential IPO
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss NAB’s acquisition of 86 400 as it rebuilds UBank, the findings of the Thom review, and the disparity between direct and third-party channel turnarounds.
This week, they discuss:
- The proposed UBank/86 400
- James Shipton to step down from ASIC
- The issues of turnaround time disparities
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the ongoing delays with loan approvals, new appointments and familiar faces at BOQ, and announcements regarding new acquisitions and mergers.
This week, they discuss:
- What’s causing turnaround time blowouts
- Former RAMS CEO and AMP Bank MD joining BOQ
- Resimac to launch asset finance arm
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the impetus behind record-breaking levels of home loan approvals, why the proposed extension of the best interests duty is being delayed, and Pepper’s expansion into Japan.
This week, they discuss:
- What’s driving the $24bn in mortgage approvals
- Treasurer Josh Frydenberg on the BID extension
- Pepper’s new acquisition
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the sentiment towards property prices and the arrival of a new mortgage lender on the block.
This week, they discuss:
- What’s driving positive sentiment
- The new lender in market, WLTH
- The final days for Better Business Awards submissions
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they talk to features editor Malavika Santhebennur about what the year 2021 could hold for the mortgage distribution space and what things are on their wish list for the year.
This week, they discuss:
- The best interests duty for brokers
- Broker market share
- New trends in the home loan space
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they talk to features editor Malavika Santhebennur about some of the biggest trends that she was reporting on in 2020 and what they think were some of the more memorable moments to impact mortgage distribution in the past 12 months.
This week, they discuss:
- The royal commission and its fallout
- Mergers and acquisitions
- The economic impact of COVID-19
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they talk to the head of strategy at Momentum’s research arm, Momentum Intelligence, about the work being undertaken to gauge sentiment towards the mortgage process.
Whether it be understanding what brokers think of the banks, tracking sentiment around the ease of use in the application process, or navigating what borrowers and non-borrowers think of the mortgage process, Momentum Intelligence has been hard at work this year collecting and analysing data to help keep the third-party channel informed and ahead of the curve.
This week, they discuss:
- The Third-Party Lending Report trends
- How brokers are engaging with the Broker Pulse
- The new Consumer Access to Mortgages Report
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the main arguments for and against the Consumer Credit Reforms and the proposal to scrap responsible lending obligations, the new design and distribution guidelines and what they mean, and the Better Business Awards 2020.
This week, they discuss:
- Michael Sukkar’s recent roundtable on responsible lending reforms
- ASIC’s new regulatory guide on DDO
- Alex’s Corporate Fighter boxing match and fundraiser for Beyond Blue
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the four recommendations put forward by the ACCC to improve transparency and competition in the mortgage market, and what it means for lenders and brokers.
This week, they discuss:
- The new measures lenders may need to undertake on resi mortgages
- What’s driving huge mortgage growth at the moment
- Steve Kane’s retirement and a new head of broker at Suncorp Bank
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the newly announced expansion of the HomeBuilder scheme, Australia’s “largest investment” in affordable and social housing, and CBA’s investment in a new fintech that aims to help home buyers access the property market without a deposit.
This week, they discuss:
- How the extended HomeBuilder scheme differs from the original
- The Victorian budget’s measures to support home building
- The potential benefits and risks of the new OwnHome platform
And much more!
Mortgage and Finance Leader gives you a unique insight into the mindset of the most influential figures in Australia's $2 trillion mortgage industry.
Join host Alex Whitlock as he invites his guests to open up on the biggest issues and opportunities facing the mortgage and finance industry. In this episode Mario Rehayem reveals his take on Responsible Lending and what lies ahead, why Australia has coped better than most with COVID-19, the rising demand for brokers and what's driving the next the housing market cycle.
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss how the property market is faring, the rebrand and repositioning of an SME lender, and Mortgage Business’ first live webcast, focusing on digital mortgages.
This week, they discuss:
- NSW’s proposal to make stamp duty optional
- Tim Brown appointed as CEO of a new SME platform
- The rebrand and relaunch of CML Group
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss Loan Market’s acquisition of NAB’s aggregators (PLAN, Choice and FAST) and how this move marks a general trend in the broking space.
Alex and Annie consider why the major banks are offloading their broking businesses and how this could impact the industry.
This week, they discuss:
- The other consolidation moves in aggregation
- Why servicing a mortgage is now cheaper than renting in some suburbs
- What auction rates are showing us
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss Treasury’s bee consultation on responsible lending reforms.
Alex and Annie discuss the extension of the Best Interests Duty to all credit assistance providers, why the move has been welcomed by some in the industry, as well as the new moves announced by the RBA last week.
This week, they discuss:
- Why BID has been extended to other credit assistance providers
- The November cash rate decision and quantitative easing
- The new phase of the Consumer Data Right
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss how COVID-19 and court penalties have impacted ANZ and Westpac’s annual results and what the pundits expect will happen at the RBA board meeting on Melbourne Cup day.
This week, they discuss:
- Westpac’s drastic reduction in profit
- The shifting sands at ASIC
- ING Australia’s new CEO
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss some of the big legal cases in the industry – including the largest civil penalty in history.
Alex and Annie discuss the $1.3-billion penalty handed to Westpac and the regulations that were found to have been breached, NAB’s penalty for illegally accepting loan applications from unlicensed third parties via its “spot and refer” introducer program, and how these issues came to be.
This week, they discuss:
- Westpac’s penalty for AML/CTF breaches
- NAB’s introducer program and what the issues were
- The launch of New Home Guarantee waitlists
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss some of the key statistics around demand for new homes, including the surprising stats around HomeBuilder appetite.
Alex and Annie discuss the easing of the lockdown measures in Victoria and its impact on housing, the latest figures on HomeBuilder applications and what brokers most value in their aggregator partners.
This week, they discuss:
- What’s driving new home appetite
- The launch of New Home Guarantee waitlists
- The findings of the Aggregator of Choice survey
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss why mortgage approvals may have hit a record high in August 2020, the latest details of the 10,000 new places offered under the First Home Loan Deposit Scheme New Home Guarantee and the upcoming New Broker Academy.
This week, they discuss:
- Record-breaking approval statistics from the ABS
- What the New Home Guarantee entails
- The New Broker Academy 2020
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss some of the key measures in the budget 2020-21 impacting mortgage and small-business lending in Australia.
Alex and Annie discuss the additions to the First Home Loan Deposit Scheme and the first lenders to be announced in the lender panel of the updated Coronavirus SME Guarantee Scheme.
This week, they discuss:
- How the government is looking to support home buying
- New incentives and support for SMEs
- A new CEO for Scottish Pacific
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the big announcement over the removal of responsible lending obligations - and what this means for lenders, brokers and customers.
Alex and Annie discuss who is actually responsible for expenses in mortgage applications and what they think about the changes.
This week, they discuss:
- Where responsible lending obligations were a roadblock
- How auctions are faring
- Plenti’s listing onto the ASX
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib (in his last Mortgage Business Uncut podcast) as they discuss why lenders are changing their property price outlooks, the opening up of credit appetites, and the increasing number of cyber attacks and the growing need for cyber security and insurance.
This week they discuss:
- Westpac and CBA's outlook on property prices
- The worrying trend of vicious cyber attacks in the lending space
- ME Bank's financial year results and redraw controversy update
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they discuss the Melbourne lockdown and new support measures to help Victorian SMEs, what the latest stats are showing us is happening in loan commitments and repayment deferrals, and a new broker survey about their aggregator experience.
This week they discuss:
- Repayment deferral exits surpass new deferrals
- Victoria's $3-billion support package
- The winners of the Women in Finance Awards
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they discuss what Australia's recession means for mortgages, why two major bank CEOs disagree over responsible lending guidance, and why a Senate committee does not believe screen scraping should be banned.
This week they discuss:
- Australia's largest quarterly GDP contraction on record
- The beginning of the end of repayment deferrals
- The recommendations from the Senate's interim report on fintech and regtech
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Charbel Kadib as they delve into NAB's sale of MLC, what the first research report from the First Home Loan Deposit Scheme reveal, and what trends we're seeing in the financial reporting results so far.
This week they discuss:
- What types of borrowers have been using the FHLDS
- Why NAB is selling its wealth business
- How brokerages and lenders fared in FY20
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into clawback arrangements and why the broker channel wants them to be changed, why MyState has ‘paused’ its FHLDS loans, and changes at the top of AMP Capital.
This week they discuss:
- The departure of Boe Pahari and board members at AMP Capital
- How the Combined Industry Forum is working on clawback
- Why MyState is closing its branches outside of Tasmania
And much more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into CBA's full-year results for FY20, Athena Home Loans' innovative new mortgage product, and Philip Lowe's recent comments about current responsible lending and stamp duty legislation.
This week they discuss:
- Matt Comyn's changed position towards Aussie Home Loans
- How AcceleRATES rewards borrowers for paying down their loan
- The Adviser's free Business Accelerator Program coming up next week
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they unpack the latest ABS lending indicators data, changes to government support schemes, and the forecasted economic impacts of Victoria's second wave of COVID-19.
This week they discuss:
- The changes to JobKeeper
- The new CEO at BNK
- The new fintech on the block - Plenti
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the impacts of new Victorian lockdown initiatives on house prices and auctions, current buyer sentiment towards the property market, and what's driving growth behind the big four banks.
This week they discuss:
- Westpac onshoring jobs to address processing lags
- NAB partially closing 114 regional branches
- The Women in Finance Awards finalist announcements begin
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Charbel Kadib as they discuss NSW's new stamp duty changes, the latest development in the ASIC/Westpac "wagyu and shiraz" case, and key figures from the Treasurer's economic and fiscal update.
This week they discuss:
- The new threshold for stamp duty for first home buyers in NSW
- Insights from REA Group about HomeBuilder effects on land enquiries
- Lenders working to improve approval times
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the reduction in lenders' risk appetites, LMI policy changes, and last week's virtual Australian Broking Awards.
This week they discuss:
- Lenders decreasing their debt-to-income ratio threshold
- The sentiment among first home buyers at the moment
- This year's award-winning brokers
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they discuss the themes and trends impacting the mortgage space - and why refinancing continues to make up the bulk of business for brokers.
This week they discuss:
- What an influx of first home buyers means for the market
- How the new extension of repayment deferrals works
- The Australian Broking Awards, which takes place this Thursday
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they unpack the RBA's latest interest rate forecasts, findings from the House of Representatives standing committee on economics, and APRA's monthly banking statistics for the month of May.
This week they discuss:
- Which buyer segments are most active at the moment
- The implications on brokers should trail commissions be removed
- Executive changes at Suncorp
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they discuss the final guidance for mortgage brokers on best interests duties, the outcome of ASIC's responsible lending appeal against Westpac, and new appointments at NAB.
This week they discuss:
- The level of assistance a broker should provide when looking at a borrower's finances
- The second tranche of the First Home Loan Deposit Scheme opening this week
- The Australian Broking Awards 2020 finalist announcements
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest updates around the AFG-Connective merger, why the majors are seeing increased loan flows, and Mortgage Choice's newly announced technology platform.
This week they discuss:
- Which lenders are faring best at the moment
- How offshore processing has been affecting turnaround times
- The Australian Broking Awards finalists 2020
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Charbel Kadib as they discuss the current lending market and what could be on the horizon for those looking to obtain finance in this unpredictable time.
This week they discuss:
- The largest decline in home loan approvals since 2015
- How the government’s HomeBuilder scheme continues to spark debate
- Mortgage Choice impacted by the ASX’s recent hierarchy review
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they unpack the news that Australia is in recession, what the new HomeBuilder initiative and instant asset write-off extension entail, and how ANZ will address turnaround blowouts.
This week they discuss:
- The extension of the instant asset write-off deadline for businesses
- Limitations around the government's newly announced HomeBuilder scheme
- Borrowers resuming their mortgage repayments
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they discuss the shifting needs of brokers in the current lending climate.
This week they discuss:
- The link between turnaround times and broker flows
- The RBA and APRA’s differing views to serviceability buffers
- The virtual awards and events in the broking space
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they discuss the importance of the broker in the current lending climate, and how various lenders are acknowledging that fact.
This week they discuss:
- ME Bank’s new advertising campaign, and changes to broker commission structures
- Westpac’s latest changes for new and existing borrowers
- How you can attend our first masterclass free of charge
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they analyse how the softening COVID-19 restrictions will likely impact the mortgage market going forward.
This week they discuss:
- ANZ’s predictions on property values for this year and 2021
- The vast number of Australians choosing to defer their mortgage repayments
- The Australian Broking Awards opening for submissions
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they reflect on the postponement of the best interests duty, what a 70 per cent auction clearance rate could mean for the economy, and lending changes.
This week they discuss:
- The resignation of Suncorp’s new CEO
- How various lenders are adapting to support borrowers amid the COVID-19 pandemic
- ME Bank reverses its unpopular redraw decision
Join Alex Whitlock, Annie Kane and Charbel Kadib as they discuss the redraw furore at ME Bank, how coronavirus is impacting the major's bottom lines and how the property market is faring.
This week they discuss:
- How one of the non-major banks has ruffled feathers
- The importance of brokers amid the COVID-19 pandemic
- The upcoming Mortgage Business Commercial Masterclass and how it can help you and your clients
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the major banks' efforts to speed up their turnaround times, findings from My Business' COVID-19 business impact survey, and Firstmac's plans to acquire a car loan business.
This week they discuss:
- Mortgage Business' first ever virtual event
- NAB's half-year results and what they mean
- Which of the big four banks are still performing strongly
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest findings from both AFG and Momentum Intelligence's broker surveys, new measures for determining borrowers' loan repayment ability in light of COVID-19, and CBA's controversial change to mortgage repayment amounts.
This week they discuss:
- The major banks' revised outlooks for the 1H20
- Which lenders will be part of the government's Coronavirus SME Guarantee Scheme
- Kate Carnell's final report into supply chain finance
Join Alex Whitlock and Annie Kane as they delve into how lenders are adjusting their risk appetite given the coronavirus, the impact of social distancing requirements on the housing market, and the changes to credit policy around remote identity verification.
This week they discuss:
- Whether lenders will still be honoring pre-approved mortgages
- How increased unemployment rates could affect housing prices
- Brighten Home Loans appointing its first head of distribution
Join Annie Kane and Charbel Kadib as they delve into the impact of loan repayment holidays on credit ratings, the latest government support for SME lenders, and a Liberal senator's call for more help for investors.
This week they discuss:
- Fintechs looking to partner up with banks
- LMI providers changing the way they operate during COVID-19
- The ACCC postponing its review of the AFG-Connective merger
Join Annie Kane and Charbel Kadib as they delve into the latest COVID-19 support packages for SMEs, the newly announced rent moratorium for tenants, and further details of the structured finance support fund for smaller lenders.
This week they discuss:
- The outcome of Firstmac's proposed acquisition of Maleny Credit Union
- Property market predictions from La Trobe Financial's Chris Andrews
- Non-banks tightening their lending policies
Join Annie Kane and Charbel Kadib as they delve into the significant range of support measures being implemented by the government, regulators and banks to help ease the financial strains on small businesses as a consequence of the ongoing coronavirus pandemic.
This week they discuss:
- The RBA's emergency cut to the cash rate
- The new government support package focusing on small business and sole traders
- The Australian Banking Association announcing new SME relief packages
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the implications of coronavirus on the global broking and mortgage industry, including the US Federal Reserve's pre-emptive rate cut, the RBA extending liquidity to banks, and relief packages for affected borrowers and businesses.
This week they discuss:
- The US Federal Reserve cutting rates by 100 basis points
- How technology can be implemented by brokers to work around distancing restrictions
- Pepper Money CEO Mario Rehayem participating in the World's Greatest Shave
Join Alex Whitlock and Charbel Kadib as they delve into the economic impacts of the fear surrounding the coronavirus pandemic, how this instability is affecting the housing market, and staffing changes across some of the major banks.
This week they discuss:
- The RBA's fourth interest rate cut in less than a year
- Changes to NAB's third-party team
- ANZ's job cuts
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the MFAA's most recent broker market share statistics, APRA's January data on mortgage volume fluctuations, and predictions for the RBA's March meeting given the coronavirus pandemic.
This week they discuss:
- What's prompting a year-on-year drop in broker market share
- Mortgage book growth for CBA and Bankwest
- Changes to executive teams in the non-bank space
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into their key takeaways from ASIC's draft guidance around brokers' best interests duty compliance, CBA's new compassionate care product for owner-occupiers, and the half-year results from two major Australian brokerages.
This week they discuss:
- How the best interests duty will benefit the broker channel
- Circumstances where brokers should be advising borrowers against taking out mortgages
- A new major survey on Australia's lenders
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest movements surrounding the Connective-AFG merger and the competition regulator's thoughts on the matter, what results season is telling us about lending flows, and uncertainty around the impending best interests duty obligations on white label loans.
This week they discuss:
- Executive responses from Connective and AFG to the ACCC's concerns
- How turnaround times are affecting the banks' mortgage volumes
- The potential issues the Best Interests Duty Bill presents around white label
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into industry responses to the passing of the best interests duty legislation, revelations around pricing discrepancies for loyal borrowers, and issues with lenders not passing on rate cuts to their customers.
This week they discuss:
- The clarifications still required around best interests duty implementation
- The risks of sticking with one's lender for too long
- Why the effect of the RBA's rate cuts are questionable
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the proposed laws to hold mortgage brokers to similar obligations as financial planners, changing sentiment regarding the impending first cash rate decision for 2020, and the non-major rollout of the First Home Loan Deposit Scheme.
This week they discuss:
- Proposed reference check and breach reporting obligations for mortgage brokers
- Why stable interest rates increase consumer confidence
- The Better Business Summit kicking off in Adelaide
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the new government package of loans and grants for small businesses affected by bushfires, what is happening in the first home buyer space, and details about the upcoming Better Business Summit 2020.
This week they discuss:
- Bushfire recovery grants and loans
- Why the number of new first home buyer loans has dropped
- The Broker Product of Choice: Non-Banks survey
Join Annie Kane and Charbel Kadib as they delve into the first two major appointment changes of the year, how industry scrutiny has prompted increased broker diversification into SME lending, and how the mortgage industry has come together to fundraise for those affected by Australia's ongoing bushfire crisis.
This week they discuss:
- The resignation of MyState Group CEO Melos Sulicich
- Donelle Brooks' appointment as head of third party at Lend
- The Mortgage and Finance Industry Bushfire Relief appeal for the Red Cross
Join Annie Kane and deputy editor of SMSF Adviser Sarah Kendell as they delve into the impacts of the continuing bushfire crisis.
In this episode, they provide updates on the current situation in Australia in relation to the loss of human lives, wildlife and property and the economic consequences.
This week they discuss:
- How the government is responding on a state and federal level
- Several banks announcing bushfire relief and financial assistance packages
- Global fundraising efforts for victims, firefighters, support services and wildlife
How you can donate:
There have been many fundraisers and appeals set up by charities, organisations and individuals to help support victims of the bushfires and support those on the front line.
Some of the major appeals include:
- Red Cross
- Salvation Army
- NSW Rural Fire Service
- QLD Fire and Rescue
- SA Country Fire Service
- VIC Country Fire Authority
- Tasmania Fire Service
- Western Australia
- WWF
- AFCA bushfire disaster support
Join Annie Kane and Charbel Kadib as they delve into the biggest themes and developments that impacted the home loan market in 2019.
In this episode, they discuss the biggest news of the year - reviewing the banking royal commission and its recommendations, the general election, and the incoming best interests duty.
This week they discuss: - The impacts of the banking royal commission
- A new best interests duty
- Changes at the banks
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Momentum Intelligence's head of strategy, Michael Johnson, as they delve into a new broker survey initiative.
In this episode, they discuss Momentum Intelligence's Broker Pulse survey, what it hopes to achieve, and some of its initial findings.
This week they discuss:
- What the Broker Pulse survey is
- What brokers value from mortgage lenders
- How the lenders have been evaluated so far
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they delve into ASIC's updated responsible lending guidance (RG 209), the issues with the government's First Home Loan Deposit Scheme lender panel, and new appointments at the banks.
This week they discuss:
- Why ASIC's RG 209 guidance has raised more questions from brokers
- CBA joining the First Home Loan Deposit Scheme panel
- Executive position changes within NAB and Suncorp
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode they reveal how banks are targeting first home buyers, discuss why some banks are lowering rates while others are raising them, and why Resimac are withdrawing externally funded products.
This week they discuss:
- Auction clearance rates remain strong in a more “optimistic” housing market
- ANZ removes LMI for high earners
- The Australian Business Securitisation Fund appoints first external investment manager
Mortgage Business Spotlight: Delving into all facets of the services and products available to mortgage brokers.
Join Alex Whitlock for an in-depth analysis of the products, technology and services that are helping brokers deliver better outcomes to their clients with the Mortgage Business Spotlight podcast.
In this episode, Alex is joined by the director of Marketplace.finance, Matthew Johnson, and the associate director of Secured Lending, Thomas Cranfield, to discuss how their products enable brokers to provide a more holistic, transparent and faster service to their clients.
This week they discuss:
- The opportunity provided by Marketplace Finance for residential brokers to tap into the commercial landscape without needing to build their own capabilities
- The streamlined, non-bank commercial funding solution offered to brokers by Secured Lending
- The importance of strong partnerships with lenders of integrity in delivering the optimal client outcome
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss Westpac's senior leadership changes in the fallout of AUSTRAC's civil penalty orders, Westpac's contracting home loan volumes, and the tabling of the amended best interests duty legislation for mortgage brokers.
This week they discuss:
- Former Westpac CEO Brian Hartzer's resignation
- Macquarie's growth in market share
- Calls for clarity around the best interests duty legislation
Momentum Intelligence has launched the Consumer Access to Mortgages survey, which aims to understand the public's attitudes, perceptions and priorities in a bid to quantify the value of the third-party distribution channel to the Australian public.
You can share the Consumer Access to Mortgages survey by downloading the relevant resources here.
If you are interested in finding out more about the Broker Pulse initiative, you can find out more about the survey here.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they delve into the anti-money laundering and anti-terrorism financing regulator AUSTRAC's civil penalty orders against Westpac, as well as the latest class actions against ANZ and Westpac in relation to the mis-selling of comprehensive credit insurance.
This week they discuss...
- Westpac CEO Brian Hartzer's response to the allegations
- Whether ramifications for the alleged breaches are adequate
- Previous cases of banks mis-selling CCI
Join Alex Whitlock and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they explore the implications of a rapid rebound in the housing market, the future of Aussie Home Loans, and a neobank's official entry into the mortgage market.
This week they discuss...
- The latest housing market data
- CBA's plans for Aussie Home Loans
- The launch of neobank 86400's home loan products
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they recap FBAA's Challenge the Future conference, how some banks are attempting to improve loan processing times, and the movement of non-bank lenders into the prime space.
This week they discuss...
- ASIC's forthcoming best interests duty guidance
- Non-major lenders suspending pre-approvals
- CBA lowering their interest rate floor
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they examine how the financial climate has been impacting the big four lenders and their profits, what has been accounting for an increase in financial complaints and what we can expect from the RBA this week.
This week they discuss...
- Westpac's annual report
- The Australian Financial Complaints Authority's first-year findings
- Predictions for RBA rate cuts
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the results of Momentum Intelligence's Aggregator of Choice survey, which evaluates broker satisfaction levels regarding aggregator groups.
This week they discuss...
- The levels of broker satisfaction
- What brokers most value in an aggregator
- What is preventing brokers from switching groups
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, you’ll hear how the industry has responded to the ACCC’s inquiry into mortgage pricing and the proposed legislation around commission payment.
This week they discuss…
- Why the recommendation to introduce a Netherlands-style consumer-pays model in Australia may not be successful
- The big banks’ response to criticism over their failure to pass on RBA rate cuts
- How trail commission could be impacted by new legislation
Join Alex Whitlock and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the ACCC's mew mortgage pricing inquiry, product switching behaviour at home and abroad, and the recent pick-up in investor activity.
This week they discuss...
- The ACCC's new 'Home Loan Price Inquiry'
- Product switching behaviour in Australia and abroad
- The spike in investor lending activity
Join James Mitchell and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the implications of the Reserve Bank's latest cut to the cash rate on the mortgage market and the broader economy.
They also explore...
-
The economic backdrop that prompted the Reserve Bank's latest rate cut
-
The mortgage market's response to the cut
-
Future monetary policy expectations
Join James Mitchell and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss Treasurer Josh Frydenberg's recent call for "common sense" in the lending space, the upturn in the housing market, and the potential introduction of new credit curbs.
This week they discuss...
-
The context surrounding Treasurer Josh Frydenberg's recent plea to the lending industry
-
The likelihood of a 'v-shaped' recovery in the housing market
-
The potential introduction of new macro-prudential measures
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the costs of broking and the increasing administrative burden of the loan writing process, The Adviser EU Study Tour 2019 and the role of aggregators.
This week they discuss...
- The expenses debacle
- What industry is discussing around broker commissions
- The Aggregator of Choice survey for brokers
Join Alex Whitlock and Annie Kane as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the launch of new banks and what it means for competition in the mortgage market, clearance rates and what's happening in the housing market and Momentum Intelligence's Aggregator of Choice survey.
This week they discuss...
-
Pepper Money's launch into New Zealand
-
CUA's new CEO
-
The Aggregator of Choice survey for brokers
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the appointment of Suncorp's new group CEO and managing director, renewed calls for commission clawback reform, court cases impacting the lenders, and what the cash rate is expected to do in the near future.
This week they discuss...
-
Who the new Suncorp CEO is
-
Why aggregators are calling for clawback reform
-
When the next cash rate cut is expected to come
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the draft legislation on a best interests duty for brokers, the findings of ASIC's shadow shopping exercise and Aussie's new consumer focused report to understand what 'best' really means.
This week they discuss...
- The draft best interests duty for brokers
- What ASIC thinks of the mortgage shadow shop exercise
- What consumers want in the mortgage process
In this episode, they discuss why we are seeing record-high auction figures, the increase in mortgages being written and changes around introducer fees.
This week they discuss:
- Release of IFAA figures
- Consumer Access to Mortgages report
- Best interests duty and what it involves
In this episode, they discuss the mergers and acquisitions that have been filtering through the mortgage broking space and what it means for the industry.
From AFG and Connective's merger to REA Group's ownership of Smartline and a potential buyback from John Symond, the past week has seen some major structural changes in the channel.
This week they discuss:
- Demand on aggregators for more transparency
- Opportunities for boutique and sub aggregators
- Westpac vs ASIC federal court ruling
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss whether the touted recovery in the housing market has been reflected in the financial results of major lenders.
This week they discuss:
- Mortgage approval trends
- New appointments
- Announcement of a new partnership in the white label space
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the stabilisation of the property market off the back of recent rate cuts and serviceability changes, housing market predictions, and the current state of the lending landscape.
This week they discuss:
- APRA’s latest monthly banking stats
- How the banks are implementing royal commission recommendations
- Women in Finance Awards 2019
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market
With rates at an all-time low they discuss how the market is reacting, further changes on serviceability floor changes, what has been happening in the events calendar and the continuing fall out on the back of the royal commission. This week they discuss
- Launch of the business funding guide
- Women in finance awards
- APRA’s banking remuneration changes for executives
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the appointment of a new CEO for NAB, the findings of the APRA Capability Review and how the lenders have been enacting serviceability floor changes.
This week they discuss:
- The launch of a brand new bank
- The new buffers and floors being rolled out
- Connective Home Loans' new white label portfolio
In this week’s episode, Annie and Charbel discuss the changing mortgage serviceability levels from lenders, why ASIC is slamming Consumer Credit Insurance, and how the housing market is performing.
This week, they discuss:
- How the housing market is performing
- ASIC’s shift in becoming a stronger regulator
- The new 'common approach' to assessing co-borrower financial abuse
Join Alex Whitlock, Annie Kane and Charbel Kadib as they as they delve into the latest themes and developments in the home loan market.
In this week’s episode they discuss APRA's changes to home loan serviceability assessments, the RBA’s decision to cut rates to an all-time low of 1 per cent, and what the market thinks of the reforms to the responsible lending guidelines.
This week, they discuss
- The RBA’s decision to drop the cash rate for the second month in a row
- What the serviceability and responsible lending changes are
- The Australian Broking Awards 2019
Join Annie Kane & Charbel Kadib as they kick off the new financial year and discuss the new Code of Practice comes into effect
In this episode, they discuss the introduction of the new Banking Code of Practice and the issues it has raised in the broking industry, the updated Pensioner Loan Scheme and changes in the housing market.
This week, they discuss
- The new Banking Code of Practice
- APRA’s monthly banking stats
- New lenders entering the Australian market
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the strength of the broker channel, Westpac's serviceability decision (and reversal of that decision) and predictions of a triple cash rate cut.
- The possibility of further cash rate cuts
- Westpac's serviceability decision
- Facebook's announcement of its own currency, Libra
In this episode they discuss the lenders that have announced they will be passing on the full RBA cash rate drop, the effects these cuts have on savers and the speculation around the first home deposit scheme.
This week, they discuss:
-
Changes at mortgage marketplace HashChing
-
Structural changs at AFG on the back of the royal commission
-
Mortgage industry recognition during the Queens honours birthday list
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the RBA's decision to move the official cash rate to a new record-low level of 1.25 per cent, the effect the drop will have on savings rates, and which lenders have passed on the full reduction to borrowers.
This week, they discuss
-The impact of the rate cut and what it means for the Australian economy
- Why ANZ is defending its decision not to cut rates by the full amount
- Why some lenders are hitting back at a new bank levy
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss drops in fixed rates ahead of the official cash rate decision tomorrow, the factors that may impact the RBA's decision, the state of the property market, and appointment changes in the banking sector.
This week they discuss...
- New appointments at the banks and associations
- A contraction in a major bank's mortgage portfolio
- A merger between two small lenders
Join Alex Whitlock and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they talk about the changes all around, with the CEO of a major financial services group stepping down, APRA looking to revise its mortgage lending guidance, an RBA rate cut looking imminent and a new cabinet in Parliament.
This week they discuss...
- What the new cabinet structure means for the mortgage sector
- When the property market is predicted to bottom out
- The New Broker Academy 2019 Brisbane event taking place tomorrow
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the federal election outcome and what it means for the mortgage and property sectors moving forward, YBR’s strategy update, and what the regulators are up to.
This week they discuss...
- Updates on the brokers who ran for local seats in Parliament
- Updates on the brokers who ran for local seats in Parliament
- YBR disposing its wealth business• The ASIC Forum 2019
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the newly announced First Home Loan Deposit Scheme, a drop in fixed rates across some of the major lenders and the ongoing support for the current broker remuneration structure.
This week they discuss...
- More mortgage brokers run for seats in government
- What the upcoming election will mean for first home buyers
- An update on the trail commission debate
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the financial results of the major banks and the strong performance of the third-party channel and tomorrow's cash rate decision.
This week they discuss...
- How the major banks' profits are falling, and what is causing it
- What economists are expecting to happen to the cash rate in May
- Why mortgage brokers are running for Parliament
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
In this bonus episode, host Annie Kane is joined by leading Australian economist Christopher Joye, to discuss whether the Reserve Bank will drop the official cash rate to a new record low on Tuesday and what that would mean for mortgages. But, as Annie and Christopher explain, the cash rate is not the only lever that the RBA and the regulators could pull to ensure mortgages remain affordable.
This week they discuss...
- The reasons for and against the RBA cutting the rate on Tuesday
- The likelihood of lenders passing on any rate reduction to borrowers
- What the economy could look like under a Liberal or Labor government
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the likelihood of a rate cut as early as next week.
This week they discuss...
- Banks and lenders continue to cut interest rates
- More funding for the Australian Business Growth Fund
- Judo Capital now Judo Bank after being granted SME banking licence
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane, Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they are joined by Momentum Intelligence’s Michael Johnson to discuss the findings and research involved in the Third-Party Lending Report.
This week they discuss... - The strength of non-major banks - How the majors compare to the other lenders - The comparison with AFG’s Mortgage Index
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss how subdued demand for home loans has influenced the behaviour of lenders.
This week they discuss...
- Fixed rate cuts from major banks
- Macquarie Bank's announcement of a new head of broker home loans
- The sharp contraction in BOQ's mortgage volumes
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, following on from the release of the budget and the shadow budget, they discuss what the main political parties are focusing on, negative gearing, and what’s happening in the business lending space.
This week they discuss...
- What different politicians think about broker remuneration
- New SME loan products
- How the current property market is impacting the auction space
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
In this special episode, recorded in Canberra on Budget night 2019, Annie Kane is joined by the managing director of the Finance Brokers Association of Australia (FBAA), Peter White, to discuss their initial reactions to the federal budget, what it means for the broking industry and small businesses as a whole, and whether it will be enough to help win voters over.
In this episode, they discuss...
-
The Budget 2019-20 and the cash surplus;
-
The extension of the instant asset write off
-
The cost of the banking royal commission
And plenty more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel as they delve into the latest themes and developments in the home loan market.
In this episode, they are preparing for the federal Budget, reviewing the major banks' mortgage book growth, and considering the moves and future of the introducer channel.
This week they discuss...
- The upcoming Budget and cash rate decision
- NAB's decision to remove introducer payments
- A new partnership between AFG and iSelect
And plenty more!
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they delve into the latest themes and developments in the home loan market.
In this episode, they look at what has been happening with the lenders, from remediation announcements to product withdrawals and a broker survey, the lenders have been busy making changes.
This week they discuss...
- Westpac's remediation package and how it will affect their cash earnings
- A non-major committing $3bn to SME credit
- The Third-Party Lending Survey
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, following the conclusion of the Better Business Summit, they look at the changing future of trail commissions in the broking space.
This week they discuss...
- The coalition government's proposed delay to abolishing trail commissions
- CBA's postponement of its wealth and broking demergers
- A new player in the commercial real estate space
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode in light of the parliamentary hearings, they discuss the responses of Commonwealth Bank and Westpac in relation to the changing future of the broking channel.
This week they discuss...
- Scott Morrison’s thoughts on the broker cause
- NAB’s decision to alter mortgage rates
- How various banks are supporting those impacted by the Victorian bush fires
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the impact of tighter credit conditions on the competitive landscape in the mortgage market and what the changing dynamic means for borrowers.
This week they discuss...
- Slower lending growth among the major banks
- How property investor perceptions of the current market are affecting lending volumes
- Potential cuts to the official cash rate from the RBA
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they reflect on the Australian Labor Party's official response to the royal commission recommendations, which commits to enacting 75 of Commissioner Hayne's 76 recommendations.
This week they discuss...
- Labor's shift away from backing a borrower-pays model
- The ALP's proposed bank "tax"
- The public opinion surrounding the proposed changes
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the political messaging around the broker channel and what broker sentiment is around the recent royal commission findings and recommendations, as heard at the current Better Business Summit and Awards roadshow.
This week they discuss...
- What has been said politically around the broker market and RC recommendations
- Consumer groups abandoning the Combined Industry Forum
- AMP and Suncorp profits taking a hit
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the aftermath of the final royal commission report.
This week they discuss...
- The MFAA advertising campaign addressing the impacts of "killing the competition"
- Their advice for brokers during this difficult time
- Commonwealth Bank CEO Matt Comyn reiterates his support for the borrower pays model
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this special episode recorded on site at the launch event for the findings of the new Consumer Access to Mortgages Report, Alex Whitlock reveals the key findings of the Momentum Intelligence research, and what they mean for the broking sector.
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the challenges that a tightened lending economy are presenting the sector.
This week they discuss...
- Findings that show mortgage declines have hitched up from 8% to 40%
- When the final royal commission report can be expected
- Why Volt Bank's new licence is an Australian first
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, you'll hear the team's reaction to the news that broker market share rose to a record high, despite ongoing regulatory scrutiny.
This week they discuss...
- How such findings mirror those revealed in their recent borrower experience survey
- Why changes to the lending landscape may have fuelled the rise in broker market share
- New industry appointments and a $40 million third-party investment by a major bank
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the main factors influencing the mortgage market for the year ahead, in particular a softening property market.
This week they discuss...
- Whether responsible lending is negatively impacting borrowers
- What to expect from the Borrower Experience survey
- Changes in bank rates and product
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they take a prospective look at what will likely impact the sector throughout 2019.
This week they discuss...
- The royal commission report and diversification
- Expectations for the surplus budget and ASIC report into loan fraud
- Predictions for the cash rate and how a shift could impact variable rates
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they reflect on the most prevalent themes that impacted the mortgages sector throughout 2018.
This week they discuss
- Why such focus was placed on broker commissions and remuneration
- The rise of the non-bank sector
- A prospective look at what will impact the sector into 2019
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they provide an overview of the Royal Commission into Misconduct in the Banking, Superannuation and Financial Services Industry and how it will likely impact the mortgage sector heading into 2019.
This week they discuss…
- The topics and findings from each of the hearings
- What changes have been seen as a result of these findings
- What can be expected going into 2019
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the ACCC residential mortgage pricing report and new figures which show a reprieve in declining property market trend.
This week they discuss…
- The key findings of the ACCC residential mortgage pricing report
- Why there was a lack of focus on brokers in the report - New figures suggesting a 'blip' in property price trends www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss new figures that show major bank growth is slowing, why brokers are revolting against one major bank, and a swathe of new appointments at different lenders.
This week they discuss…
- The growth that non-banks and non-majors have seen over the past 12 months
- Brokers hitting out at CBA over fees for services
- ANZ and Suncorp to move to new commission model
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode they discuss the conclusion of the royal commission, and what has resulted from its findings.
This week they discuss:
- Alex's open letter to Commonwealth Bank and the response which it has received
- The research currently underway as a result of comments surrounding broker remuneration
- ANZ's reasoning for closing branches
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the seventh round of the financial services royal commission, what some of the major bank CEOs are saying about broker remuneration and Alex's letter to CBA CEO Matt Comyn.
This week they discuss
- Why Alex wrote the letter to Matt Comyn
- The impacts of changing broker commissions
- A new whitepaper being undertaken by Momentum Intelligence
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the intriguing court case between ASIC and Westpac involving the Household Expenditure Measure and determining the legal obligations regarding expense checks.
This week they discuss…
- The issues around HEM
- Broker commission changes
- Government's new Australian Business Securitisation Fund
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the changes in the mortgage market and the shifting landscape when it comes to market share.
This week they discuss
- How recent lending changes have provided opportunities for non-bank lenders
- How the non-banks are leading technological innovation
- What will be covered in the final round of royal commission hearings
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane, Alex Whitlock and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they unpack the recent annual results from the major banks and take a look at CBA's "demerged" broking and wealth business, NewCo.
This week they discuss
- The 2018 financial results for ANZ, NAB and Westpac
- The arguments for and against churn and clawback changes
- The first CEO of "demerged" wealth and broking company, NewCo
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Alex Whitlock as they delve into the latest themes and developments in the home loan market.
In this episode, Annie and Alex discuss the numerous new appointments and changes that have taken place over the past week and a half within the industry.
This week they discuss…
- Changes in management within Heritage Bank, Yellow Brick Road and uno Home Loans
- AMP takes a huge plunge in the share market
- Homeloans Ltd rebranding to Resimac
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Alex Whitlock as they delve into the latest themes and developments in the home loan market.
In this episode, Annie and Alex discuss the differences that they witnessed at The Adviser Asia Study Tour surrounding property in Asia and how it compares to the Australian market.
This week they discuss…
- The model that the Hong Kong property market follows
- Why Australian non–banks set to face further scrutiny
- What to expect from the new AFCA complaints body going forward
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and Ken Chow from {embrace} worldwide as they delve into the latest themes and developments in the home loan market.
In this special episode, recorded at The Adviser's Asia Study Tour in Hong Kong during Mental Health Week, Annie and Ken discuss emotional intelligence and its importance for those operating mortgage businesses.
This week they discuss:
- How emotional intelligence in the workplace is defined
- How technology is pushing brokers to develop the human connection
- Creating ownership and inspiring performance within your team
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, Annie Kane and Charbel Kadib as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the interim report of the financial services royal commission.
This week they discuss…
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The Adviser's Hong Kong Study Tour
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Themes of the royal commissioner interim report
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Questions raised by Commissioner Hayne over remuneration arrangements in the mortgage market
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they delve into the latest themes and developments in the home loan market.
In this episode, they talk to Peter Koulizos, University of South Australia lecturer and chairman of Property Investment Professionals of Australia, to discuss the challenges that property investors are facing in the lending market.
This week they discuss…
- How negative sentiment could have a positive impact on property investment
- Why more investors are using brokers
- Whether lending is likely to become easier in future
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Annie Kane and REB Editor Tim Neary as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the recent shift toward collaboration between the property and financial sectors.
This week they discuss:
- The changes which we have seen in the past 12 months
- How the real estate and finance industries have changed with the introduction of proptech and fintech platforms
- Why we are likely to see even more of a fusion between the two sectors
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss the recent changes from the major banks, including NAB’s recent leadership changes and changes in the broking sector.
This week they discuss…
- How NAB executive leadership changes will impact customers
- NAB’s new division focusing on customer experience
- CBA to contact brokers who will no longer be able to write loans
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and Annie Kane as they delve into the latest themes and developments in the home loan market.
In this episode, they discuss Westpac’s $35 million civil penalty for responsible lending breaches and the ongoing scrutiny that the sector is under.
This week they unpack…
- The concept of responsible borrowing
- How leadership changes could impact lending
- The changes that we have seen so far and what is still to come
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock and James Mitchell as they delve into the latest headlines and developments in the home loan market.
In this episode, they analyse the reasoning behind Westpac’s recent rate rise and how their last quarterly report has impacted the decision.
This week they discuss…
- Whether the other majors are likely to also increase rates as a result
- How the banks are likely to communicate these changes to their customers
- Further developments following YBR’s rejected takeover bid
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market, in this episode unpacking Mercantile OFM’s off-market bid to acquire all ordinary shares in YBR at an opportunistic 9 cents per share.
This week they discuss...
- YBR’s position in the mortgages market
- The proposed extension of mortgage advice to financial planners
- The opportunities that the current market offers broking businesses
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market, in this episode discussing the findings of the Governance Institute’s Annual ethics index which has seen Mortgage brokers fall to an all time low.
This week they discuss:
- The Royal Commission’s impact on these results
- If brokers should be concerned about public attitudes
- Whether trust in the finance sector can be rebuilt
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market.
This week they discuss:
- The two year anniversary of the 1.5 per cent cash rate and forecasts of when it will change
- ASIC to embed ‘corporate cops’ in the big four banks and AMP
- Australia’s ‘first’ rate tracker credit card
www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market.
This week they discuss:
- The Productivity Commission's final report into competition
- The power of the big four banks
- What trail is used for and the impact of removing it
- The fall in property prices
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market.
This week they discuss:
- CBA broker head steps down
- Deloitte report delves into the broking industry
- Macquarie announces a new CEO
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market.
This week they discuss:
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Non-major rate changes and the likely impact on fixed rate loans
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Bankwest to close east coast bank branches and focus on brokers
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Westpac pulls out of SMSF lending space
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market.
Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market.
This week they discuss:
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What APRA's chairman thinks of the mortgage market.
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The banks that are among Australia's most trusted brand.
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Mortgage Choice changes impacting brokers and franchisees
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Aleks Vickovich as they delve into the latest headlines and developments in the home loan market. This week they discuss… - Lenders pull back from the low doc space - Bankwest changes to broker commissions - A breakdown and analysis of the Deloitte mortgage report www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Aleks Vickovich as they delve into the latest headlines and developments in the home loan market. This week they discuss… - CBA's move to demerge broking and wealth business into a listed group - How an increase in funding costs is impacting small lender rates - The movements of some key players in the finance industry www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and the Smart Property Investment Show’s Phil Tarrant as they delve into the latest headlines and developments in the home loan market. This week they discuss… - The increasing difficulty in obtaining a home loan and the rise of mortgage prisoners - How further regulation is likely to alter the Australian property market - The importance of good advice and the role of mortgage brokers www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… - Aussie and CoreLogic research highlights the changes across the mortgage and property market over the past quarter of a century - What to expect from the fourth round of hearings of the royal commission - How the broker associations are advocating for the channel www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… - CBA receives the largest civil corporate penalty in Australian history - Broker attitudes and perceptions to mortgage groups and aggregators - Franchise broker models compared to independents
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… - Class action surrounding irresponsible lending - New DTI limits for loans - An ongoing decline in foreign real estate investment
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… • The latest royal commission hearings and misconduct in SME lending • The real risks of home lending and business lending • Prospa’s listing on the ASX
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… - The merger of Macquarie's wealth and private bank arms - Changes to WA property tax and how this could impact the property market - Another resignation at AMP www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… - The most important points to have come from the proposed budget - The first restricted ADI licence and what it means for banking - Different spending behaviours and how fintechs could utilise this information www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… -The latest fallout from the royal commission -APRA's report into culture at CBA -Where banks and the Australian financial system went wrong -The new Australian Financial Complaints Authority www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Aleks Vickovich as they delve into the latest headlines and developments in the home loan market. This week they discuss… - Banking misconduct findings - Royal Commission discussions around bank ownership transparency - Changes set to impact those offering financial advice
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… -The rise in popularity of non-bank lenders -Royal Commission findings could result in jail time -Aggregator changes and the impact on brokers
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… -Police raids involving a multi-million dollar corporate fraud case at NAB -Westpac's new credit policy criteria assessment and the impact it will have on brokers -The continuing fall in demand for fixed interest rates www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… -The immediate resignation of Mortgage Choice CEO John Flavell and promotion of previous CFO Susan Mitchell -Losses for the major banks being shown in the AFG competition index for March -Remuneration in the broking industry and the possibility of a fee for service model
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… -Whether the RBA will break records by holding the cash rate on hold for the 18 months in a row; -The positive and negative impact of comprehensive credit reporting; -What open data is and the security concerns around it.
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market as part of Tech Week. This week they discuss… -A technological advancement which will make the client expenses process easier for brokers -Changes to the levels of scrutiny brokers will face -Recent movements in the banking sector
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. We catch up with economists Alan Oster (NAB) and David Plank (ANZ), and the FBAA’s Peter White at the Better Business Summit in Sydney to learn what they think about the current market, what they think will happen to property and mortgages in the near future, and the latest developments in the home loan market. This week you will hear about: • House prices in the capital cities • Whether IO loans really are riskier • The effect of macro-prudential measures
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… - Quarterly APRA figures on banks’ assets and profits - Macro-credential measures being put in place - Referrer programs in the royal commission
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss: - Productivity Commission hearings - Inquiries into competition - Predictions on the outcomes in the industry www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… • The royal commission’s broking report • The black hole of data in the broking industry • Xinja – the latest start-up looking to crack into mortgages www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. • Changes in the Royal Commission form • Brokers responses to the Productivity Commission • Motivation for brokers http://www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… - Threats to the sustainability of trail commissions - Competition in the finance industry - The latest report from the Productivity Commission http://www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. • CBA’s new CEO • Liberty’s latest acquisition • House prices and values www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Alex Whitlock, James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… • The first submission to the banking Royal Commission • Why brokers still send the majority of loans to the majors • Bank-owned aggregators
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… • Foreign investment coming into the Aussie market • The launch of innovative products • ANZ facing $5 million fine www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… - The blame game of the mortgage market - Regulation changes - What’s happening with eChoice - Housing policies in 2018 www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join James Mitchell, Annie Kane and Aussie Parramatta mortgage broker, Ross Le Quesne, as they delve into the latest headlines and developments in the home loan market. This week they discuss… • Rate changes then vs now • Benchmarking figures • Regulation and increased scrutiny • The future www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss: • APRA statistics • Foreign banks • Latest banking reports • The threat of disruption in real estate www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join James Mitchell, Annie Kane and Alex Whitlock as they delve into the latest headlines and developments in the home loan market. This week they discuss… • The Royal Commission • Mergers and channel conflict • Administration changes ww.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Annie Kane, Alex Whitlock and FirstPoint founder Troy Phillips, as they delve into the latest headlines and developments in the home loan market. This week we discuss… • Crackdowns on banks for realistic living expenses • Renaming non-banks • Digitised loan application and identifications www.mortgagebusiness.com.au/
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join Annie Kane and editor of Real Estate Business, Tim Neary, as they delve into the latest headlines and developments in the home loan market. This week we discuss… • Compliance crackdowns • Commission as a “dirty word” • Affordability issues • The threat of disruption in real estate www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping the Australian mortgages market. Join James Mitchell and Annie Kane as they delve into the latest headlines and developments in the home loan market. This week they discuss… • The future of artificial intelligence with Jonathan Miranda, director of strategy, technology at Salesforce • Fintechs and algorithms • How humans and AI will coexist • Radical changes to make mortgages more efficient in America www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping Australian mortgages. Join James Mitchell, Annie Kane and Alex Whitlock as they delve into the latest headlines and developments in the home loan market. This week they discuss... • Lead generation approaches • Impact of multiple applications • Concerns of rising rates www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping Australian mortgages. Join James Mitchell, Annie Kane and Alex Whitlock as they delve into the latest headlines and developments in the home loan market. This week they discuss... • Blockchain systems • Channel shopping • Positive credit reporting www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping Australian mortgages. Join James Mitchell, Annie Kane and Alex Whitlock as they delve into the latest headlines and developments in the home loan market. This week they discuss... • Housing markets • Debt repayment plans • Digital Finance Analytics Data • How much of your income goes into your home www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping Australian mortgages. Join James Mitchell, Annie Kane and Alex Whitlock as they delve into the latest headlines and developments in the home loan market. This week they discuss... • Refinancing difficulties • Restrictions on lending • Financial discipline mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping Australian mortgages. Join James Mitchell, Annie Kane and Alex Whitlock as they delve into the latest headlines and developments in the home loan market. This week they discuss... • Student loans • Why good news doesn’t sell • Loan management innovation • The inter-generational transfer of wealth www.mortgagebusiness.com.au
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping Australian mortgages. Join James Mitchell, Annie Kane, Alex Whitlock and Phil Tarrant as they delve into the latest headlines and developments in the home loan market. This week they discuss... • Chatbots • Fintech in the mortgage space • How America is leading the way • automating information
The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes shaping Australian mortgages. Join James Mitchell, Annie Kane and Alex Whitlock as they delve into the latest headlines and developments in the home loan market. This week they discuss... – why banks are worried about household debt levels • Using your property as an ATM • How regulators have impacted the market • Interest-only loans • Offset accounts
Join James Mitchell, Annie Kane and Alex Whitlock as they delve into the latest developments shaping the home loan market. The Mortgage Business Uncut podcast is your weekly analysis of the biggest themes playing out in Australian mortgages and what’s making headlines. This week we discuss…the UBS report, mortgage stress and ASIC’s startling admission Stories https://www.theadviser.com.au/breaking-news/36760-i-d-do-it-asic-chairman-would-place-consumers-in-larger-loans https://www.mortgagebusiness.com.au/breaking-news/11486-more-than-60-of-young-property-owners-over-indebted https://www.mortgagebusiness.com.au/breaking-news/11473-aussie-banks-hold-500bn-in-liar-loans-ubs