Lenders are lending as much money after the global recession, because consumers are in such a tough financial position. Lower interest rates help make loans cheaper for consumers and more profitable for banks, but banks aren't finding much demand for their loans. … This qualitative factor will lead to an increase in costs. This statement will lead to a decrease in profits. "Slow Expansion of Mortgages After Market Decline" is an easy qualitative factor to overcome, so the investment will not have to spend much time trying to overcome this issue.