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Hasnt affected my business or my clients since they left.

A quick look on your website Graham and doesnt appear you are adding much value to customers anyway.

"Home Rewards gives you a mortgage interest rate that reduces over time. The rate starts at the Home Rewards standard variable rate. It then reduces by 0.25% p.a. off the rate at the end of the first year, and a further 0.50% at the end of the second year. From the end of the second year the rate then stays 0.75% below the Home Rewards standard variable rate for the entire life of the home loan."
SVR at 5.74% - It would be unethical for me to recommend that to my clients as I would be putting them at a "Disadvantage".

Stay on the sidelines and keep cutting up the oranges while the rest of us play. Certainly makes no difference to me. Same with BoQ -

Remember we only get paid for results and carry all of the costs. I am sure your banks would be more profitable if that was your remuneration package.