The difference between FSA and all the rest financial lending...

The difference between FSA and all the rest financial lending companies on the market is they don't have apps, they don't do AI check, but when client rings, they have already known he/she is f*ed financially but strong morally, so they make $2,000 a client on service, then introduce him/her refinance products, noting that its home book total LVR is less than 70%, but make a margin between 3% and 3.5%, Big Four should hire them for advisory!!! even more incredible, their car loan is geared just under 90% at interest and fee of 20%, but hardly any default!!!

Even 1/3 of recent arrear cases go pear shape, that wouldn't affect their profitability that much, let alone, with 67% LVR, they cannot lose at all.