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As you may have gathered "brokers" are fully aware of the implications on them. They are also fully aware of the lack of implications on anybody else!! When most of the future problems are sourced back to the bank, I am sure it will cost the poor broker a tidy some to prove they did the right...

Rolf - seriously I'd be taking your insurance example to ASIC. If there are affordability issues with this loan who's lap will it fall on - the brokers for something beyond our control! Not only that its up to us to explain to the customer what the extra amount on top of the loan is for? I...