Nathan Birch's Definition of a Good Mortgage

"The Royal Commission was flat wrong. By far the best of a bad lot. And they're all bad," he says. "National Australia Bank actively tried to improve where we thought they were faulting." The further you went from Sydney, or in the centre of Sydney, the worse the practice got - especially north and west. A bank officer who's not paid commission tells you to draw a credit card against other banks that doesn't show on our tax system. But when somebody's PAY tax is fairly accurate, there are jokes about it.