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Straw Poll - The Adviser


Num Title Status Votes
1 What impact will a November rate rise have on your business? poll status 67
2 How has recent media negativity towards non-banks impacted your business? poll status 19
3 In 2008 I would expect my business: poll status 22
4 Do you expect more refinancing business as a result of the February RBA rate rise? poll status 16
5 Will the cost of funding in 2008: poll status 63
6 Will we see wide-scale reductions to broker commissions: poll status 152
7 Will the National Rental Affordability Scheme effectively tackle housing affordability? poll status 36
8 The implications for securitisation following Macquarie Bank's exit from mortgages is: poll status 122
9 When will variable rates top ten per cent? poll status 123
10 Has the current funding climate prompted you to consider diversifying your products/ services? poll status 78
11 Does the non-bank sector need to resurrect the Mortgage Lenders Council - an industry body that advocates its interests? poll status 67
12 Will other lenders follow Westpac's lead and cut broker commissions: poll status 160
13 Do you expect a drop in broker numbers as a result of commission cuts? poll status 314
14 Does the future of mortgage broking lie in cross selling? poll status 182
15 Will changes to broker commission structures lead to consolidation in the aggregation industry? poll status 253
16 Will we see a broker swing to non-bank lenders as a result of bank commission cuts? poll status 226
17 Will commission restructuring lead to a fee-based mortgage broking industry in Australia? poll status 253
18 Do you expect your business to grow during this financial year? poll status 218
19 Where does your aggregator fall short? poll status 153
20 Which residential lending sector do you expect most of your business to come from over the coming six months? poll status 175
21 How much of an RBA rate cut will borrowers see from their lender? poll status 313
22 What would be a responsible reaction to interest rates from the RBA in September? poll status 266
23 Which market segment will September's rate cut boost most? poll status 303
24 Can Australian lenders remain shielded from a worsening global financial crisis? poll status 446
25 Will a bank drop the broker channel within the next 12 months? poll status 749
26 Are we now past the worst of the financial crisis? poll status 1056
27 Does the future success of the broking industry lie in providing advice? poll status 723
28 Are you more open to offering non-bank products than you were 12 months ago? poll status 620
29 Do you expect your volumes to increase in 2009? poll status 802
30 Is now a good time for borrowers to lock in a fixed-rate loan? poll status 643
31 Will your business plan be ready for the new year? poll status 248
32 Should the RBA cut the cash rate in Feb? poll status 874
33 By 2010 the maximum available LVR will be: poll status 859
34 At this stage should the FHOG boost be extended beyond June? poll status 576
35 Will second tier banks win more broker business in '09? poll status 454
36 Is the 100bp Feb rate cut enough to boost borrowing activity? poll status 527
37 Should the banks pass on future rate cuts in full? poll status 503
38 Has the property market bottomed-out? poll status 598
39 In 12 months will the cash rate: poll status 513
40 Is the federal government's handling of the crisis so far poll status 596
41 Have you seen an upswing in investor business? poll status 369
42 Will current low rates create a future housing bubble? poll status 417
43 Do DEFs put you off recommending non-bank products? poll status 595
44 Have slow turnarounds cost some lenders your business? poll status 472
45 Will the MFAA's proposed aggregator forum help improve bank servicing? poll status 414
46 Has business so far this year been better than expected? poll status 437
47 Will the RBA cut rates in May? poll status 634
48 Will you recommend fixed rate loans this month? poll status 453
49 Should the upped FHOG be: poll status 278
50 Is the federal budget good news for the economy poll status 338
51 Have reduced max LVRs impacted your volumes? poll status 498
52 Currently what is the main threat to business? poll status 325
53 Has our economy turned the corner? poll status 417
54 Have borrowers missed the boat for fixed rates? poll status 696
55 Will imposing minimum volume quotas cost banks business? poll status 530
56 Can brokers now realistically retain accreditation with all major lenders? poll status 1142
57 Are turnaround times: poll status 531
58 Are property markets poised for recovery? poll status 188
59 By year end the cash rate will: poll status 540
60 Will all aggregators eventually be acquired by banks? poll status 522
61 Will you be ready to register for an Australian Credit Licence on Nov 1? poll status 416
62 Will rising rates slow borrowing activity? poll status 415
63 I would switch aggregator for: poll status 324
64 Do you offer your clients insurance products as part of your presentation? poll status 282
65 Is white labelling your own products a viable option for brokers? poll status 239
66 Will the RBA increase rates in October? poll status 351
67 Has the RBA raised interest rates too soon? poll status 668
68 Was ASIC right to delay broker licencing? poll status 460
69 Do you cross-sell other products when offering residential mortgages? poll status 300
70 In November rates will: poll status 561
71 Is your 2010 business plan: poll status 185
72 I recommend non-bank products to: poll status 572
73 Should the RBA up the cash rate in Dec? poll status 647
74 Does the broking industry fmijo further consolidation next year? poll status 517
75 Has competition amongst lenders improved? poll status 394
76 Will business be brisk over the Christmas period? poll status 506
77 Business in the year ahead will be: poll status 355
78 Will the gap between the banks' rates narrow before the RBA meets in Feb poll status 358
79 Will you retain membership of an industry body post licensing? poll status 596
80 Does your aggregator's technology platform meet all your requirements? poll status 366
81 Are you concerned about overregulation under the new licensing laws? poll status 442
82 Do you expect RHG to reenter the mortgage market? poll status 391
83 Where is business most active: poll status 309
84 Will the RBA raise interest rates in March? poll status 458
85 Are non-banks becoming more competitive? poll status 400
86 Has demand for non-conforming products over the last 12 months poll status 275
87 Do you use social media (eg: Fmijobook/Twitter) to market your business? poll status 588
88 Could new licensing laws negatively impact on your referral relationships? poll status 511
89 How many hours do you work each week? poll status 457
90 To what degree does the quality of BDM support influence which lender you plmijo your business with? poll status 501
91 Will licensing encourage you to diversify your product offering? poll status 241
92 As a broker, how often do you invest money in marketing your business? poll status 488
93 Which licensing option will you choose under the new credit regime? poll status 445
94 Are we approaching the end of this upward rate cycle? poll status 556
95 Will the next financial year be: poll status 342
96 Have you registered with ASIC yet? poll status 569
97 What level of support have you received from your aggregator moving into regulation? poll status 308
98 How will we fare at the World Cup? poll status 313
99 Do you expect to see an upswing in demand for fixed rate products? poll status 226
100 Have Australia's banks profited from the GFC? poll status 356
101 Who 'owns' the client? poll status 481
102 Do you buy leads? poll status 387
103 What is the no.1 reason your clients are refinancing? poll status 290
104 In general, how does lending policy compare to 12 months ago? poll status 468
105 Is it your responsibility to advise clients on their debt structure? poll status 679
106 Will licensing rid the industry of unprofessionalism? poll status 494
107 how many products do you cross sell? poll status 228
108 Have high LVR products truly made a comeback? poll status 289
109 Which political party do you think will be better for the broking industry? poll status 554
110 Is there still demand for low doc products? poll status 0
111 Is there a future for low doc loans? poll status 400
112 Which licensing option will you choose? poll status 359
113 Are you writing more business with 2nd tier lenders than 12 months ago? poll status 545
114 Will banks move rates outside of the RBA this year? poll status 356
115 Has competition improved amongst lenders over the last 12 months? poll status 363
116 Does the future of broking lie in fee for service? poll status 450
117 Should exit fees be banned? poll status 511
118 Are current turnaround times acceptable? poll status 246
119 Do you expect your volumes to increase in 2011? poll status 492
120 What have you registered as? poll status 277
121 Have you added a new revenue stream to your business in the last year? poll status 173
122 What is most important in a lender BDM? poll status 386
123 Will Australia win back the Ashes? poll status 213
124 First rate rise in 2011: poll status 380
125 Has the flood devastation adversely affected your business? poll status 281
126 I would switch aggregator for: poll status 364
127 Have you sold your aggregator's white labelled product? poll status 273
128 Will we see the return of 100% LVR's before the end of the year? poll status 496
129 Are non-banks a viable alternative to the majors? poll status 414
130 Have you seen an increase in business as a result of lender discounts and incentives? poll status 345
131 Do you use social media (eg: FmijobookTwitter) to market your business? poll status 200
132 What impact has NCCP had on your business since Jan 1? poll status 478
133 Will consumers be better off as a result of the govt. ban on exit fees? poll status 716
134 Do you offer insurance products as part of your service offering? poll status 256
135 Should the Govt. have injected more into RMBS? poll status 123
136 Should the Govt. increase the FHOG to encourage the return of FHB's? poll status 359
137 Which type of borrower do the banks most frequently reject: poll status 500
138 Should smaller lenders be excluded from the ban on exit fees? poll status 268
139 Will the broking industry struggle to attract new entrants? poll status 358
140 Do you plan to make the transition from broker to financial planner in the future? poll status 284
141 Should a university degree be the minimum qualification for mortgage broking? poll status 614
142 Will the new financial year be: poll status 281
143 Do you hold accreditation with all five major banks? poll status 479
144 Should brokers accept a referral fee from developers? poll status 455
145 Will non-bank products be easier to recommend without exit fees? poll status 322
146 The most negative impact on business is: poll status 404
147 The next move for the cash rate will be: poll status 476
148 Has demand for specialist/non-conforming products over the last year: poll status 233
149 Do you own investment property? poll status 374
150 Should CHOICE be dabbling in mortgage broking? poll status 614
151 Have you seen an increase in demand for fixed rate products? poll status 298
152 Do you expect to see an upswing in investor business over the coming period? poll status 304
153 Do you keep a referral register? poll status 309
154 Is current lender competition boosting loan volumes? poll status 211
155 Has the increased competition between lenders resulted in greater channel conflict? poll status 312
156 Where is business currently most active: poll status 149
157 How many support staff does your broking business have? poll status 235
158 Have you written an SMSF loan? poll status 274
159 Will the RBA cut rates on Melbourne Cup day? poll status 437
160 Have you stopped writing low-doc loans because of NCCP? poll status 326
161 Would you like to see more lenders distribute via brokers? poll status 298
162 Is your 2012 business plan: poll status 168
163 Do you expect your volumes to increase in 2012? poll status 322
164 Will the RBA cut rates again next week? poll status 501
165 Have you added a new revenue stream to your business this year? poll status 211
166 Do you expect to write more business with non-major banks in 2012? poll status 213
167 Should MFAA membership be compulsory for brokers? poll status 1206
168 Would you like to see more foreign banks lending in Australia? poll status 1156
169 The most active borrower segment this year will be: poll status 297
170 Is the cash rate still the right benchmark for mortgage rates? poll status 278
171 What would you switch aggregator for? poll status 168
172 What will the RBA do with the cash rate next week? poll status 418
173 Do you generate leads via your online presence? poll status 300
174 Will the out of cycle rate hikes lead to an increase in refinancing? poll status 421
175 Have you sold your aggregators home brand product? poll status 252
176 How many products do you cross-sell? poll status 170
177 Do you use social media to market your business? poll status 210
178 Is June 30th too early to complete the MFAA diploma requirements? poll status 405
179 Will the future of broking be fee for advice? poll status 0
180 Does the future of broking lie in fee for service? poll status 344
181 Who do you recommend non-bank products to? poll status 372
182 Does the quality of BDM support influence which lender you plmijo your business with? poll status 542
183 Do you have a succession plan/exit strategy in place? poll status 190
184 What is your number one source of leads: poll status 221
185 Are boutique aggregators a viable alternative to the majors? poll status 311
186 Where will the cash rate be by end of 2012? poll status 364
187 Is this financial year on course to be better than 2010/11? poll status 262
188 Have you seen an upswing in demand for fixed rate products? poll status 292
189 Will the RBA cut rates again next week? poll status 337
190 How often do you write SMSF loans? poll status 247
191 Do you own a tablet (iPad or android)? poll status 389
192 What level of business support do you receive from your aggregator? poll status 249
193 What impact has NCCP had on your business to date? poll status 307
194 Do you plan on adding a new revenue stream to your business this financial year? poll status 145
195 Will comprehensive credit reporting negatively impact the broker proposition? poll status 234
196 Has licensing rid the industry of unprofessionalism? poll status 322
197 When will we see the return of 100% LVR loans? poll status 352
198 Do you expect to see a rise in investor business over the coming period? poll status 197
199 Are you writing more business with non-major banks compared to last year? poll status 162
200 Should new brokers be given 12 months to complete their diploma? poll status 479
201 How often do you invest money in marketing your business? poll status 155
202 Will the RBA cut rates next week? poll status 347
203 Is it ethical for brokers to accept a fee from developers? poll status 314
204 Is there enough margin in lending to increase commissions? poll status 712
205 Will other lenders follow Macquarie and raise commissions? poll status 1212
206 Is the lack of first year trail putting off new recruits to the industry? poll status 297
207 Do you pay kick-backs to your referral partners? poll status 319
208 Have you stopped writing low-doc loans because of NCCP? poll status 490
209 Will the broking industry see further consolidation in 2013? poll status 1186
210 How low will the cash rate go this cycle? poll status 341
211 What is most important in a lender? poll status 178
212 Will the majors' market share drop in 2013? poll status 212
213 Will the transition to Mortgage Adviser be a positive for the industry? poll status 215
214 Will we see a December rate cut? poll status 283
215 Will you have a business plan ready for 2013? poll status 186
216 Where will business be most active in 2013? poll status 97
217 Will online channels erode broker market share? poll status 282
218 Is CBA's Aussie acquisition positive for the broking industry? poll status 415
219 Will the majors cut rates independently of the RBA this year? poll status 226
220 Do you write loans with credit unions? poll status 211
221 How frequently do you sell your aggregator's white label product? poll status 164
222 Have you switched licencing options? poll status 164
223 Have the industry associations lost their relevance? poll status 188
224 Will we see home loan rates fall below 4% this year? poll status 217
225 Are you seeing more demand for fixed rate products? poll status 3540
226 Will the RBA cut rates on March 5th? poll status 308
227 Are you planning on adding a new revenue stream to your business this year? poll status 158
228 Is channel conflict still an issue? poll status 129
229 What is the primary device you use with clients? poll status 268
230 Will the major banks pass on rate cuts in full should the RBA drop rates this year? poll status 141
231 Do you offer risk products as part of your service offering? poll status 158
232 Do you consider yourself an 'adviser'? poll status 160
233 Should brokers be accredited before providing SMSF services? poll status 221
234 Where does your aggregator fall short? poll status 119
235 Should brokers disclose if their aggregator/brokerage is owned by a bank? poll status 239
236 Do you have a preferred lender? poll status 199
237 Will ANZ's extra rate cut set a precedent? poll status 199
238 How satisfied are you with your current professional referral relationships? poll status 114
239 Will the RBA cut rates next week? poll status 189
240 Will commissions increase in the next 12 months? poll status 178
241 Should entry level brokers be paid a salary? poll status 161
242 Should banks provide more business support to brokers? poll status 141
243 Do you expect to see an upswing in activity after the election? poll status 236
244 Do we need more product innovation from lenders? poll status 75
245 Have fixed rates reached their bottom? poll status 65
246 Does NCCP continue to have a negative impact on your business? poll status 84
247 Do you pay any of your professional referral partners? poll status 146
248 Are we at the bottom of the rate cycle? poll status 30
249 Do you expect to see additional lender commission incentives? poll status 21
250 Have you experienced discrepancies between lenders' servicing calculators and their credit assessors? poll status 4
251 Who "owns" the client? poll status 278
252 Will lenders raise fixed rates again before the end of the year? poll status 81
253 Do you offer your clients insurance products as part of your presentation? poll status 153
254 Should lenders do more to help new industry entrants? poll status 114
255 Will your clients be able to contact you over the Christmas break? poll status 128
256 Do you write loans through non-bank lenders? poll status 138
257 Do you outsource any of your processes? poll status 94
258 Are lenders right to claw back commissions? poll status 235
259 Would you use a system which tracks consumers through social media to predict when they will sell? poll status 1
260 What would you leave your current aggregator for? poll status 43
261 What’s the most important part of a BDM’s role? poll status 96
262 Is ASIC prejudiced against the third-party channel? poll status 88
263 What do you think about lenders offering special rates to 'gold' brokers? poll status 116
264 Would you consider offering reverse mortgages? poll status 79
265 How will your business look in 12 months? poll status 47
266 Which part of the commission structure would you most like to see changed? poll status 122
267 Where should the next MFAA chief executive come from? poll status 65
268 How do you feel about your association? poll status 87
269 How do you feel about your current software platform? poll status 64
270 Which lender offers the fairest commission structure? poll status 84
271 How much stress do you feel in your job? poll status 119
272 What’s the biggest issue for your under-35 clients? poll status 95
273 Where will the official cash rate be at Christmas? poll status 102
274 How well are the non-majors taking on the big four? poll status 75
275 How much do your customers value branch networks? poll status 86
276 How many lenders do you regularly recommend to your clients? poll status 128
277 What should be the minimum education requirements to become a broker? poll status 112
278 Which type of channel conflict most impacts your business? poll status 71
279 Does your business do commercial lending? poll status 51
280 What do you think about the valuations your clients receive? poll status 76
281 Do you write SMSF loans? poll status 76
282 Why don’t you write short-term loans? poll status 84
283 How would your business be affected if SMSF lending was scrapped? poll status 128
284 How do you expect your business to fare in 2015? poll status 57
285 What do you think about online lenders? poll status 76
286 Will the Reserve Bank reduce the cash rate again next month? poll status 48
287 Which major bank gets most of your business? poll status 75
288 What impact has the recent rate cut had on your business? poll status 24
289 Which is more important to your clients? poll status 43
290 What is the number one thing you look for in an aggregator? poll status 41
291 How are you best growing your business into a tangible asset? poll status 45
292 What social media platform do you prefer to use for your business? poll status 55
293 Do you offer property advice to your clients? poll status 71
294 Do you work with peer-to-peer lenders? poll status 116
295 Where will the cash rate be at the end of the year? poll status 517
296 Has your business encountered mortgage fraud in the last five years? poll status 206
297 How do you identify yourself? poll status 319
298 Will rate rises on investor loans curb demand? poll status 315
299 Are you educating your clients about recent regulatory changes? poll status 113
300 Which business model have you adopted? poll status 63
301 Should there be more mandatory education and training for brokers? poll status 87
302 What’s the best thing about being a member of industry associations such as the FBAA and MFAA? poll status 53
303 What portion of your business goes to mutual lenders? poll status 31
304 What proportion of your overall loan book is made up of personal loans? poll status 71
305 Is offering holidays to customers an effective way for lenders to incentivise home loans? poll status 101
306 Does the MFAA get the balance right between brokers and lenders? poll status 108
307 Do you think broker franchises offer franchisees satisfactory commissions? poll status 122
308 Do you have a succession plan? poll status 75
309 What was the main reason you left your previous aggregator? poll status 41
310 Which area of your business is most driven by technology? poll status 126
311 What proportion of your loan book is commercial lending/SME finance? poll status 100
312 What do you think of the MFAA's performance over the past year? poll status 700
313 What do you think of the FBAA's performance over the last year? poll status 972
314 Will the RBA cut rates again in 2017? poll status 229
315 What sort of business do you write for the non-bank lenders? poll status 82
316 Succession planning: how soon are you planning to retire? poll status 104
317 Do you offer an insurance product to your mortgage clients? poll status 69
318 Have you integrated financial planning into your offering? poll status 89
319 Has the mortgage broking industry improved in the past 10 years? poll status 139
320 Do you think it will be cheaper to be making P & I repayments than I/O by the end of this year? poll status 119
321 Do you think commercial lending should be regulated? poll status 43
322 Has refinance appetite changed in the past year? poll status 76
323 Do you think the responses to Treasury's consultation on remuneration will positively impact broker commissions? poll status 79
324 What is the most important thing aggregators should provide? poll status 76
325 Will CBA's new accreditation model for new brokers help deliver good consumer outcomes? poll status 178
326 Are the Cert IV and Diploma qualifications adequate preparation for mortgage broking? poll status 254
327 How soon are you expecting to retire? poll status 96
328 How would fees for service impact broking? poll status 414
329 Do you write SME loans? poll status 111
330 Do you believe Australia is heading towards a credit crunch? poll status 273
331 What is your main business concern at the moment? poll status 71
332 What areas would you consider diversifying into? poll status 52
333 What do you think should happen to broker remuneration? poll status 148
334 What do you think a Best Interest Duty for brokers should entail? poll status 34

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