Karl Deeter is a mortgage broker, housing market expert, singer-songwriter, and one of the leading consumer finance voices in Ireland. For 12 years he's been advocating on behalf of Ireland's borrowers and savers. Now he has a new business, onlineapplication.ie, which uses machine learning to get mortgages processed faster. The goal is to provide mortgage applications from your smartphone, with faster decisions and less paperwork (though a side effect might be less power for the big incumbent banks). Karl talks about the vulnerability of the incumbent banks, whose survival strategy he says is doomed to fail. He also discusses the “slaughterhouse” mortgage market, the "greedy" government’s under-scrutinised role in the housing crisis, and the need to “destroy house prices”.