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I don't dispute that at all Brady, especially comparing your ability to write CBA loans over mine (I would suggest that I know some aspects CBA policy better than the woman in my local branch though, she's almost useless). There's no arguing that you've got an easier and far more personal...

Brady do you know under what circumstances HomeSide is more competitive than the CBA and vice-versa? I do because my business managers within both lenders (who see more deals every day than anyone in a branch) tell me where their niches are. My relationships with both guys are so strong that...

There's no difference in published rates between bank and broker channels. Going to a bank directly, they can get things done a little faster. Brokers have far more options to figure out the ideal solution.

Calcualted on the balance of the loan. It's a nice earner, but most brokers loan books would run off significantly within 5 years. You could argue that it's money for jam, and often it is. On the other hand we aren't paid anything else for loan maintenance such as top ups. For some clients...

Ha! Made you admit it! You also have a tendancy to respond more to CBA specific questions. You're right, Westpac puts signs up, CBA doesn't, neither does ANZ and I haven't visited an NAB branch in years. The front line staff at all the lenders who implement this system do verbally ask.

You told me you work for the CBA, when we met at an Adelaide meeting last year. :p Sorry to rain on your parade, but you have also mentioned it a couple of times and many of your posts make it very clear (your posts are valued BTW, it's good to have a branch perspective here). Most of the...

From multiple discussions over time with multiple people (in branches, back office and even the people running the surveys) regarding the CBAs incentives my conclusions are as follows: * They're expected to sore a 9 or 10 out of 10, anything else is not considered acceptable. * The surveys are...