Matt Harris

speaker

8,022 appearances 40 recordings 1 series first heard Apr 2026 last heard 2d ago

Matt Harris’s voice in public audio — every appearance, attributed to the second.

Trend

recordings per month · last 12 months

Recordings per month over the last 12 months — 40 in all, peaking in Aug 2026 with 13.

Appearances

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Cheques and Balances · Mortgage Application Declined? What to Do When the Bank Says No | Episode 537 · 15 Sep 2026 podcast

You've got a mortgage from a bank, James? voice-verified

I think I have, Michael. voice-verified

So easy, wasn't it? voice-verified

Yeah, no, it was not. voice-verified

Yeah, exactly, right? voice-verified

And look, I love my friends at the banks, but they have a lot of rules that they have to deal with to be able to give you the money. voice-verified

The big one is the triple CFA regulation. voice-verified

Credit, consumer, contracts, finance, something like that. voice-verified

Do make up your C's and your F's, you'll be fine. voice-verified

What it actually meant for the bank is that they were personally liable, like the head of the bank was personally liable for someone writing bad loans. voice-verified

So what that meant was credit just froze basically, right? voice-verified

And the big things there were they had to prove that one, the purpose of the lending was reasonable. voice-verified

Two, you could afford it. voice-verified

And three, they weren't going to put you in an adverse financial situation by giving you a mountain of debt. voice-verified

Now, those things are very tricky to try and hit for a normal loan just to prove these things, right? voice-verified

How am I going to tell you someone that I'm not putting you in an adverse financial situation by giving you $1.2 million of debt, right? voice-verified

That line is blurry, no matter how much you earn, basically. voice-verified

And then if you've got someone at the top of the bank, some C-suite executive who's like, whoa, whoa, whoa, I was just doing this job to cruise on out to retirement. voice-verified

What do you mean I'm now personally responsible for this? voice-verified

It can make things very tricky, right, to give out money. voice-verified

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