Debt LPLink的动态

This article hits a raw nerve, highlighting alarming parallels between today’s private credit boom and the pre-2008 mortgage crisis. Banks and private credit funds may tout these partnerships as complementary, but they seem like a rerun of risky financial engineering aimed at maximizing short-term profits, risking long-term stability. The so-called “re-tranching” is just a euphemism for shifting risk onto unsuspecting investors. With short-term funding backing risky long-term loans, it seems we’re repeating the same mistakes of 2008, hoping for a different result. Have we learned nothing?

Is cheaper always better? While traditional banks may offer lower rates around 6% annually, their lengthy approval and funding processes could mean missed opportunities. At Secured Lending, we understand the importance of swift action in critical moments. Known for our rapid decisions and funding within 24-48 hours, we prioritize your urgent financial needs—whether it's a looming settlement, urgent tax obligations, or a golden business opportunity. While we can't compete with rates provided by the bank, we excel in delivering timely solutions when time is of the essence. Don't let slow processes hold you back. Choose Secured Lending for fast, reliable financial support. If you or your client require urgent finance, contact us on either 1300 795 175, [email protected] #BorrowWithConfidence #1stMortgage #2ndMortgage #SecuredLending

?? Rate Alert! ?? I just helped a client secure a 6.01% variable rate on their $435k loan with one of the big 4 banks! ?? In this market, that’s an incredible deal, and it made me think—when was the last time you checked your home loan rate? With rates constantly changing, you could be overpaying without even realizing it. I’m here to make sure you’re getting the best deal possible! If this sounds like something you or someone you know could benefit from, feel free to reach out or share this post. Let’s keep more money in your pocket! ?? #MortgageRates #HomeLoan #Finance #Big4Bank #RateCheck

#Privatecredit has been the hot topic of the past 18 months. Non-bank lenders funded 86% of leveraged loans in 2023, as banks retrenched. The question for banks today is how to react - to compete or collaborate. On the face of it, a collaboration model should be attractive for capital constrained banks. My colleague Huw van Steenis is quoted in Financial Times Lex column on the future battegrounds. See below for our recent report ?? Dylan Walsh Julian Gorski Magnus Burkl, CFA Laura Watkin

?? A new episode of Financial Services Focus is now available! Listen as Banking & Finance lawyers, partner Susannah Schmid and associate Jenna Siebold discuss the traditional plain-vanilla structure for mortgage loan warehousing, shifts and trends they are seeing in this structure, and key considerations when transitioning to SPV LLCs and trusts as repo counterparties. Access the episode here: https://lnkd.in/gJSQZ4-F #WarehouseTransactions #FinancialServices?

Great discussion with Teresa Bazemore and Michael Fratantoni on the Federal Home Loan Banks and the system's evolution over the past 92 years. Discussion covered risk management, collateral valuation, overcollateralization of advances, affordable housing programs, FHLBank advances vs Federal Reserve discount window lending, and the FHLBank system's accordion structure that provides everyday liquidity to meets the needs of members across changing economic environments.

How P&I Loans Could Boost Your Borrowing Capacity If you’re looking to maximise your borrowing power, the structure of your loan plays a key role. Choosing Principal & Interest (P&I) over Interest-Only can make a significant difference—especially with major banks like the Big Four, ING, Suncorp, and Macquarie, who favour P&I loans. This can help improve your borrowing capacity and give you access to more funds for investment. However, with non-bank lenders, choosing P&I could actually limit your borrowing capacity, as they tend to favour Interest-Only loans for their calculations. Want to learn more about how to increase your borrowing potential? Let’s discuss the best strategy for you. ?? Let’s talk: https://lnkd.in/g7fN_VyG ?? Follow us for more expert mortgage advice and subscribe to our YouTube channel for more insights: https://lnkd.in/g_D3r8hd #MortgageAdvice #P&IVsInterestOnly #BorrowingCapacity #BigBanks #AustralianPropertyMarket #lagosfinancial

The latest FED Senior Loan Officer Opinion Survey (SLOOS) shows that the share of banks actively raising standards for commercial borrowers remains positive, largely due to economic uncertainty. Banks are also continuing to tighten standards and conditions for unsecured consumer loans, as anticipated given the rise in charge-off rates over the past year and the ‘inflation-driven’ recessionary pressures among consumers. However, they are starting to lower credit standards for loans secured by residential real estate and autos, giving consumers a bit more leeway in the near term. Commercial and industrial lending has continued to stall, as the commercial real estate crisis is far from over.?

Check out this article from Bloomberg. Investors are showing increased interest for Asset Backed Financing (ABF) in Private Credit. Sixth Street is buying over $4Bn of Consumer Installment Loans, on the heels of the $500MM purchase by Prudential Financial. Many groups see the Private Credit market surpassing $4 Trillion very soon.

HomeStreet Bank's $906M loan portfolio sale to Bank of America highlights the commercial real estate market's surprising stability in a challenging environment. Here’s what’s driving the story: ?????% ????????????????:HomeStreet sold $906M CRE loans with minor write-downs. ?? ?????????????????? ??????????: Proceeds will cut debt and fund 2025 growth. ????????? ??????????????????:?Smaller discounts reflect market resilience. Despite challenges, banks are managing portfolios effectively, keeping deep discounts at bay and forcing investors to recalibrate expectations. ?? Full story in the comments below.