Nick Goodall

You know, like stability maybe wasn't quite there when you were moving countries.

But yeah, how does that trigger your thoughts in terms of how you felt through your life with the most important things for you and where a home fits in that as well?

Yeah, it sounds like there's good plans in place, so I'm sure it's going to continue to grow and grow.

Now, of course, we can't talk about the disparity in ownership without talking about the income disparity between females and males.

It has probably slightly improved over

But it's very, very small margins, right?

And this year, we sort of changed the way we looked at this data.

The stat that we're sort of talking about more frequently now is that in the survey, we saw that 25% of males earn more than $100,000, whereas it's only 12% for females.

It's a different way of talking about the same subject.

It is a reflection of years and years and decades of gender inequality in the workplace, which, as I said, we're making slow improvements on.

In the meantime, though, it does feel like it's a good time for that reminder of the value of a mortgage advisor and being able to identify those ways to get in despite that gap.

And you kind of touched on it there.

And one thing I always talk about is, you know, many people need to look past the headlines.

You know, all they think they've heard that, you know, there's a loan to value ratio and there's a deposit requirement of 20%.

So until I've got 20% of the house I want to buy, I'm not going to go and talk to someone.

And you touched on before that we need to, you know, have those conversations earlier, right?

Come and talk to people.

Can you talk more about maybe that and the strength of loan market and your advisors when it comes to navigating, you know, those ever-changing too, because it's 20% now, it's changed over time.

The limits from the banks changes over time.

It's a pretty complex lending environment, right?