The property market looks set to remain in flat territory in the year ahead - so what will be the biggest opportunities and challenges for brokers in 2012?
Non-banks have entered the rate cutting fray after major lenders finally moved last week
Westpac has become the third major to announce record full-year profits, with the bank's cash earnings rising 7% to $6.3bn
FirstMac has posted a strong full-year profit, and claimed its results prove banks can move further on interest rates
FirstMac has released a fixed income managed fund, and is encouraging brokers to diversify into the bond market
The Rock Building society will raise up to $5million to bolster its capital position as its second-largest shareholder pushes to replace two directors, according to a report in The Australian Financial Review.