Lenders have gone to great lengths when enticing brokers and borrowers to their products. I have never really been keen on incentives. They often act to just cloud the judgment of clients (and sometimes brokers) around comparing what the real cost differentials are. For example, I have never understood why incentives are allowed at all where new-build properties are concerned. They cause distortions and other issues – just sell the property for the value it is actually worth.