I know this has been raised before, but a shop that can't repair and a bank that can't access guild stores is useless to me, and a deal breaker in terms of me buying these NPCs. If they are stationed at your house, they should have these functions, otherwise I'll still have to go to town between quest, making the house a pointless place to visit other than to sit in and say 'I have a house'.
ZOS, I have funds standing by to purchase these NPCs, but not in their current, useless state. Any news on this being changed would be much appreciated.
PS4 - Europe - Shardaxx - Wood Elf Nightblade - Aldmeri Dominion