Hey@Westwind, just a counter thought here, major banks have been...

Hey@Westwind, just a counter thought here, major banks have been shutting branches left right and centre which has lead to mortgage broker share of all home loans written at/near all time highs, approx 70%. Agree it will be a tough 6-12 months for anyone that originates lending, but that will be largely due to reduced borrowing capacity thanks to higher interest rates, in turn higher stress testing assessment rates, and higher cost of living, and not as a result of 'major banks choosing to move in to this area'. The incentives used to capture market share, most commonly refinance rebate/cash backs, these are availbale to a borrower regardless of who originates their loan, whether that be bank directly or broker.