2011 2012 was when other MIS schemes went belly up and from memory was when the CBA pulled the plug on TFC as it was then - forcing a refinance which has recently been renegotiated (last year).
A difference here is the underlying product has strong and growing market demand with declining alternative supply sources.
Probably some other factors at work here but I have forgotten them.
And for HT's benefit
All IMO and DYOR.