Dear All,
Every lender wants the same thing: a strong, resilient loan book with reduced risk and high-performing loans. Yet, in the pursuit of growth, lenders often face a paradox: balancing risk management with the desire to approve more applicants.
Attain It All — AffordAssist: A smarter approach to structuring home loans and managing risk.
Lower LVR, Lower Risk
The principle is simple: the lower the Loan-to-Value Ratio (LVR), the lower the risk. But achieving this has traditionally meant applicants need larger deposits – a hurdle for many aspiring homeowners.
AffordAssist transforms this dynamic by allowing lenders to effectively lower the LVR without requiring borrowers to stretch further.
How It Works
By pairing any home purchase with the AffordAssist Interest-Free Deferred Deposit Solution, borrowers can defer part of their deposit — interest-free — while maintaining 100% ownership from day one. For lenders, this means:
- Reduced LVR exposure: Even when a borrower has only a small upfront deposit, the LVR calculation can be strengthened responsibly.
- Increased eligible applicants: More people qualify for loans without compromising risk standards.
- A stronger loan book: Higher security and reduced default probability, supported by AffordAssist’s governance and structured deferred deposit mechanism.
This creates a meaningful opportunity: responsible growth through smarter deposit structuring.
Managing Risk with AffordAssist
A home loan paired with an AffordAssist Deferred Deposit can reduce mortgage stress by lowering the loan amount and saving borrowers thousands in interest payments. This positions the borrower — and the loan — for long-term stability.
AffordAssist’s proven governance and core service fundamentals may be likened to a form of Credit Risk Transfer (CRT), positioning the service as a viable home loan deposit solution for lenders and LMI providers.
More importantly, AffordAssist’s governance emphasises longevity:
It’s not just about helping clients buy a property — it’s about helping them keep it, build equity, create generational wealth, and, if needed, exit safely while remaining positioned to buy again in the future.
For Lenders’ Careful Consideration
The mortgage market is competitive, and AffordAssist invites you to consider one of the most significant innovations in decades: the AffordAssist Interest-Free Deferred Deposit Solution — a smarter alternative to cash deposits.
Lenders who pair their loan products with AffordAssist can:
- Expand their lending footprint without increasing risk.
- Offer tailored products that meet borrowers where they are.
- Build long-term client relationships, fostering loyalty and trust.
The Bottom Line
Lenders no longer need to choose between reducing risk and expanding their loan book. With AffordAssist, both objectives can be achieved simultaneously — responsibly, sustainably, and in alignment with modern borrower needs.
AffordAssist: Empowering lenders to grow stronger loan books — responsibly.
Regards
AA
B2B – AffordAssist facilitates and oversees the governance process. Are you a mortgage broker, lender, developer, real estate agent, affordable housing advocate, or housing minister? We welcome your collaboration. Join us in our mission to expand access to home ownership. Together, we can make a lasting impact.
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