In this episode of Broker Daily Uncut, host Alex Whitlock is joined by Eva Loisance, Costa Arvanitopoulos, and Broker Daily senior journalist Julian Barnes to unpack three major forces shaping the mortgage market right now.

The conversation opens with rising fraud concerns following Commonwealth Bank of Australia's investigation into up to $1 billion in potentially questionable lending. The panel explores the growing sophistication of AI-generated documents, the blurred line between expense "adjustment" and criminal conduct, and whether brokers and lenders are equipped for an escalating technological arms race.

Attention then turns to the renewed political focus on negative gearing and debating whether changes would meaningfully improve housing affordability or risk constraining rental supply further.

Rounding out the episode is a look at fixed-rate repricing, rising scrutiny around HEM and living expenses, and what tighter assessment standards signal about lender risk appetite as rate uncertainty continues.