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You all have some good points. In my opinion. Moving the industry to a trail only commission would have the following effects almost instantly; • no more deferred establishment fees (lenders won't be starting with the original loss) • no more claw back required • big incentive for...

Nice to see I am not the only nerd talking NCCP at 130am. Re 1,2 and 3 I think a few people are looking too far in to the legislation. 1 - Single female. Under NCCP you need to have the conversation and most importantly document your conversation. If someone says they are going to...

The concept relates to what has been described as "hyper competition" as was seen in the US and also to some extent Australia before the GFC. More specifically:- as more lenders enterred the market many non banks focused on areas where the banks would not approve loans. Examples include high...