0056 GMT - Morgan Stanley analysts want much more disclosure from Australia's major banks on mortgage-market trends. With government making changes to property related tax concessions, the MS analysts expect investors to use this month's annual result announcement by Commonwealth Bank to pepper the market leader with questions on the level and mix of recent mortgage applications. They also anticipate questions on the response to policy changes from existing and potential property investors, lead indicators on draw-down conversions, and the likely impact of the changes on growth. More broadly, they don't expect Commonwealth, NAB, Westpac or ANZ to provide guidance on earnings, revenue, margins, or loan losses.