Going out on your own at the very height of the credit crunch would have been a major risk. But for mortgage brokers Gavin Perrett (pictured left) and David Liddle (far left), the decision is already paying dividends. Events of the last 18 months have forced everyone in business to take a long hard look at what they do and make tough decisions. Whether it was cutting revenue streams that were not delivering or making redundancies, the finance industry has had to make tough choices.