The largest mortgage broking business in the country says banks are asking borrowers tougher questions, requiring much more detailed information and in some cases, refusing loans because borrowers' jobs or incomes are uncertain. Loanmarket has 140 mortgage broking franchises around the country and last year wrote $18 billion in mortgages. Kathryn talks with Director Bruce Patten and Chief Executive of the Real Estate Institute, Bindi Norwell.