Search: lender
RBA Glossary definition for lender
lender – A person or institution which provides loans on agreed terms to borrowers.
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Fee Income | Submission to the Inquiry into Competition within the Australian Banking Sector – November 2010 | Financial Sector |…
30 Nov 2010
Submissions
Recently there has been consideration of lenders' exit fees, including early termination fees. ... ASIC research from 2008 suggests that non-ADI lenders (such as mortgage originators) charged the highest average exit fees on a standard sized
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-within-australian-banking-sector-2010/fee-income.html
Inquiry into Future Directions for the Consumer Data Right – April 2020 | Payments System | Submissions
14 Jun 2023
Submissions
vulnerable clients providing log-in details to payday lenders, only to have the payday lender use the log-in details later to identify when a consumer is getting low on cash
https://www.rba.gov.au/publications/submissions/payments-system/future-directions-for-the-consumer-data-right/index.html
Housing Finance | Submission to the inquiry into Competition in the Banking and Non-Banking Sectors – July 2008 | Financial Sector |…
10 Jul 2008
Submissions
Many new lenders have entered the market, the range and flexibility of products has expanded, and margins have narrowed. ... These longer-term trends have been influenced by changes in the funding costs of the different types of lenders.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/housing-finance.html
Submission to the Inquiry into Affordable Housing–February 2014 | Housing and Housing Finance | Submissions
1 Feb 2014
Submissions
It also increases losses to the lender if the borrowing household does default on the loan. ... Lenders need to allow for this potential for increased risk in their lending decisions.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-affordable-housing/
Introduction | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions
6 Sep 2017
Submissions
The major banks gained market share in the mortgage market in the aftermath of the crisis, in part reflecting their better access to funding (as non-bank lenders in particular lost ... Information problems – both in relation to lenders' knowledge of
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/introduction.html
Appendix A: – The Canadian Securitisation Market | Submission to the Inquiry into Competition in the Banking and Non-Banking Sectors – July …
10 Jul 2008
Submissions
a set value of mortgages offered by each lender, but only partially funded requests that were greater than this value. ... Large lenders were forced to raise most of their funds from higher-cost private sources, and set their mortgage rates accordingly.
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-competition-in-banking-and-non-banking-sector/appendix-a.html
Submission to the Inquiry into Family Business in Australia – October 2012 | Financial Sector | Submissions
31 Oct 2012
Submissions
Submission to the Inquiry into Family Business in Australia - October 2012
https://www.rba.gov.au/publications/submissions/financial-sector/inquiry-family-business-2012.html
Recent Influences on the Competitive Environment | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector |…
6 Sep 2017
Submissions
It was used by a new class of mortgage lenders, known as mortgage originators, as well as smaller ADIs. ... They therefore developed a low-cost business model using securitisation funding and mobile lenders, which enabled them to undercut banks' mortgage
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/recent-influences-on-the-competitive-environment.html
Deposits, Mortgages and SME Lending | Submission to the Productivity Commission Inquiry – September 2017 | Financial Sector | Submissions
6 Sep 2017
Submissions
smaller lenders (which has improved their efficiency) have likely boosted competitive pressures over recent years. ... The major banks were among the lenders that were competing strongly in many of these segments.
https://www.rba.gov.au/publications/submissions/financial-sector/competition-in-the-financial-system/deposits-mortgages-and-sme-lending.html
Joint RBA-APRA Submission to the Inquiry into Home Lending Practices and Processes – August 2007 | Housing and Housing Finance | Submissions
8 Aug 2007
Submissions
Joint RBA-APRA Submission to the Inquiry into Home Lending Practices and Processes – August 2007
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-home-loan-lending-practices-and-processes/