Craig

They can't pull out the sort of equity that they could have maybe six months ago.

So that's a factor.

Yes, and I guess that there's frustration.

So how frustrating is it for clients that you're seeing when they get pre-approval for 90 days to buy and then they have that reassessment and suddenly the goalposts, they've changed, they've shifted because they discover they qualify for now smaller loans.

Oh, yeah.

And as I say, that's just causing the stress.

And we talk about the client and what the client is going through, but I

guess as a mortgage broker, mortgage brokers up and down the country are becoming a little bit of a counsellor because they're there.

I mean, you're there to just sort of facilitate the process as smoothly as possible.

And sometimes I guess you're kind of second guessing the whole process too with all these changes that are taking place, the flux of the market.

And I want to ask you, Andrew, about expectations, because that whole realisation of someone who has their expectations in a certain way, it's boxed up.

In other words, they know the sort of property that they're going to get because of the money.

They know the type of area that they're going to be living in.

And then suddenly we have less money to borrow.

The expectations have changed.

Yes, and we talked at the start in terms of the market going down and how that is affecting somebody buying their second property.

How much of a change do you think there's been for vendors being more open to signing up for the finance clauses in contracts?

Are you starting to see that now?

Yes, yes.

A year ago, that just simply was not happening.