Nick Goodall

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?

Is that where the specialty of talking to an advisor comes in?

That's a great point, right?

Like those advisors.

become that central point they can connect you to a lawyer and to anyone else that you need throughout that process they've got access to the tools and hopefully they're using cotalities property guru as well to get all the detail about that property information as well so they really do become that central connector don't they which um yeah you can't beat and like you say the sooner you go and talk to someone uh the the more information you've got and the better you can plan for you know what that plan or that road to home ownership looks like so you couldn't couldn't agree more about that um

Before, I've got a few leadership questions I want to get to shortly, and we're going to try and make them a bit more quickfire, as quickfire as we can, I suppose, for these conversations, because I tend to ramble a bit too much.

But anyway, I just wanted to give one more plug as well for the report, particularly because this time around, we've also looked a bit more at sustainability and that angle of ensuring that people are buying sustainable properties at the same time.

There's also a bit of a generational split here.

Not so much a gender thing, which I suppose is probably a good news story.