Archive for March 2019

Australian Interest Rates and Mortgage Spreads, What’s Going to Happen?

Australian Mortgage is a neo lender which is about to launch a mortgage origination and funding platform that relies on providing mortgages at market rates and funding in the banking and securitisation markets at market rates. Whilst there is a correlation between market mortgage rates and margins that a neo lender may be able to…

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What is Risk-Based Pricing?

Risk based-pricing is considered by many to be the future of lending and is becoming more and more prevalent in this new wave of neo banks and neo lenders. Risk-based pricing in the credit market refers to the offering of different interest rates and loan terms to different consumers based on their creditworthiness. The rate…

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