Articles on Alternative lending

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There will always be lenders happy to fund customers at high interest rates. But alternatives are needed for the financially excluded. Image sourced from

Payday lending trap requires a credit supply rethink

The number of Australians getting caught in a repetitive cycle of payday loans is growing, but in many cases they have little choice.
Are loans guaranteed by parents adding unnecessary risk to the market? Julien Tromeur/Shutterstock

The problems with relying on the bank of mum and dad

First home buyers looking to break into the housing market are turning to their parents, but it's not a risk-free proposition for either party.
The Financial System Inquiry has suggested allowing more Australians to tap the equity in their home would boost the efficiency of Australia’s financial system. Image from

Ageing population calls for more reverse mortgages

Reverse mortgages are a way to release the equity in a home, which is an important component of wealth for many Australians. Such mortgages have been proposed by the Financial System Inquiry as a way to…
Alternative sources of information about an individual’s behaviour provide new opportunities for credit assessment. Image sourced from

What you need to know about peer-to-peer lending

Peer-to-peer (P2P) has the potential to challenge the dominance of traditional financial institutions like banks, but involves new risks for both lenders and borrowers.

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