A non-major lender hopes cutting fees on its home loans will jumpstart activity after a slow 2012
More than half of respondents to a recent survey say they don't expect the cash rate to change following the RBA's meeting on Tuesday
NAB has seen its share of the mortgage market expand by more than 2% since its all-time low in 2010
Housing market researcher Residex says the last 12 months have been an improvement over 2011, but says further RBA rate cuts - preferably in one fell swoop - are required
Mortgage demand has remained flat across much of the country, and could see subdued growth for house prices.
If the RBA moves on rates again in February, major bank customers may be looking elsewhere should the big four fail to follow suit