The report looked at borrower understanding of their loans
The research shows just how hard it can be to assess a borrower's expenses
Analysts have looked at recent documents on a review of Westpac's mortgage serviceability requirements
Brokers respond to "improper" statement that proprietary loans are lower risk
UBS called the major banks' reporting of borrowers' gross household income as "highly improbable"
Bank's focus on proprietary channels could be a reason for its slower housing loan growth