“And what we’re seeing is a shift in brokers,” Saoud stated. “The brokers in Australia have gotten greater and busier, and what they’re doing is diversifying. So, historically a specific dealer would solely focus on providing mortgages. However what we’re seeing with the extra professionalization of brokers is rising into numerous financing, not solely providing mortgages, however business lending, asset finance, private loans. So, all of that’s contributing to that form of openness to make use of non-banks.”