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… - The Adviser's Hong Kong Study Tour - Themes of the royal commissioner interim report - 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: - Non-major rate changes and the likely impact on fixed rate loans - Bankwest to close east coast bank branches and focus on brokers  - 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: - What APRA's chairman thinks of the mortgage market. - The banks that are among Australia's most trusted brand. - 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

BREAKING NEWS

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