Mortgage demand is slowing, even as housing remains firmly on the national agenda. So what's keeping buyers on the sidelines? In this week's Broker Daily Uncut, Julian Barnes, alongside Finni's Eva Loisance and Costa Arvanitopoulos, unpacks the slowdown in mortgage demand, the challenges facing first home buyers and investors, and why affordability remains one of the biggest barriers to home ownership.

The trio also examine falling auction clearance rates, the impact of recent tax and housing policy changes, and whether stamp duty reform could help unlock activity in Australia's increasingly complex property market.

They finally discuss the growing influence of the broker channel after mortgage brokers surpassed 81 per cent market share for the first time and what the milestone says about changing borrower behaviour.