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Today, it's a mortgage lending data extravaganza as Nick and Kelvin discuss the latest trends in mortgage lending, focusing on the impact of bank switching, the structure of loans, and the current state of non-performing loans.  

They explore how competitive cashbacks are influencing borrower behaviour and the implications of regulatory changes on lending practices. 

The conversation also touches on the health of the mortgage market, including insights on mortgagee sales and the overall financial well-being of borrowers in New Zealand.

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