Well it is also a payment for the quality of the loan, which...

Well it is also a payment for the quality of the loan, which cannot be known at the time of settlement - not for ongoing servicing. Saying that - the broker would be quite silly not to pick up the phone and take a client's phone call. It is certainly nothing like financial planning IMO. In fact - mortgage brokers are even in a vague situation when giving opinions on whether to go fixed or variable.

But the rest seems unsurprising to me - the financials were pointing to significant franchisee stress IMO, as I have previously posted.