my take on it is if they are making it hard for people who have money to get a mortgage (people who are self employed commission and base etc as an example even real estate agents are being knocked back as they aren't on a fixed wage) many people are getting sent to brokers out of the big 4 as it is now as the big 4 won't lend
then what happens to people who cant qualify that well financially to get a mortgage
who is going to buy all the properties that are clearly coming into a supply situation if you look online
