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Industry insights into alternative funding for Australian issuers

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What is the future of funding diversity in Australia?

At Perpetual Corporate Trust, we are committed to being the most trusted partner to the banking and financial services industry.  Our latest report, Emerging opportunities: An in-depth assessment of Whole Loan sales in Australia, is part of PCT's commitment. The report showcases the significance of funding innovation at all stages of the economic cycle. Key highlights include:

  • Active participation in Whole Loan Sales is currently limited, often initiated by investor interest rather than the proactive pursuit of originators.
  • Restrained engagement in Whole Loan Sales stems from a blend of perceived complexities, uncertainties regarding demand, and the convenience of existing funding mechanisms.
  • Those who have engaged in Whole Loan Sales see a range of advantages, such as cost savings, access to high-quality assets and diversified funding options.
  • Navigating Whole Loan Sales in Australia requires careful consideration of practical aspects, particularly in terms of data management, reporting and establishing a robust servicing regime.
  • Pricing and valuation of Whole Loan Sales presents challenges, with divergent opinions on benchmarking and suitability across economic cycles.
  • There is an underlying optimism that, over time, Whole Loan Sales could attract new funding sources, benefiting both originators and investors in the Australian mortgage market.
  • There is growing recognition of the potential for Whole Loan Sales to reshape the funding landscape in Australia.

Find out more in Emerging opportunities: An in-depth assessment of Whole Loan Sales in Australia.

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Download our latest research:

Emerging opportunities: An in-depth assessment of Whole Loan sales in Australia.

This Report has been prepared and issued by Perpetual Corporate Trust. Perpetual Corporate Trust services are provided by Perpetual Corporate Trust Limited ABN 99 000 341 533 AFSL 392673, Perpetual Trustee Company Limited ABN 42 000 001 007, AFSL 236643, Perpetual Limited ABN 86 0000 431 827 and its subsidiaries. Perpetual Limited (Perpetual) and certain of its subsidiaries act as Authorised Representatives of Perpetual Trustee Company Limited. Data and analytics services are provided by Perpetual Digital Pty Ltd ABN 62 626 891 978.

This Report contains general information only and any views expressed in this presentation are opinions only and do not constitute a recommendation to act. The information does not constitute investment, legal, taxation, financial product or other advice and the video does not take into account your investment objectives, financial situation or particular needs. You are responsible for forming your own opinions and conclusions on such matters and should make your own independent assessment of the information and seek independent professional advice in relation to the information and any action taken on the basis of the information. To the extent permitted by law, no liability is accepted by Perpetual or its related bodies corporate or any of their officers, employees, agents or associates, nor any other person, for any of the information or for any action taken by you on the basis of the information.