Tougher lending puts broker business models to the test

As lending tightens and serviceability becomes more complex, the discussion reinforces why broker expertise is growing in value, not declining. Against that backdrop, the hosts scrutinise cashback and commission-refund mortgage models, questioning whether paying customers undermine broker credibility, attract the wrong client behaviour, and create fragile economics in a tougher credit environment.

The episode also explores what sustainable growth looks like for brokers as competition intensifies, including the importance of protecting the value of advice, investing in long-term client relationships, and avoiding business models that rely on volume at the expense of durability.

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