Thread renaming time perhaps. My suggestion would be
YBR's time is done
http://www.abc.net.au/news/2017-05-...e-a-costly-excess-from-boom-times-ubs/8533160
"While a mortgage is a large financial commitment, it is a simple, commoditised product."
"Advice for a commoditised, single product such as a mortgage can be easily provided by robo-advice"
I sense market and regulatory headwinds building.