Indue’s securitisation product, Trinity, is a mortgage securitisation warehouse which pools mortgage assets from various originators until sufficient size is reached to issue mortgage-backed securities to the market. This offers a range of potential benefits:

  • Increased capital and liquidity management options
  • Reliable long-term funding matching asset maturity date to investment maturity date
  • Choice of selling existing loans or writing loans directly off balance sheet
  • Ability to diversify the type of loan and mortgage offerings to members
  • Transfers credit risk inherent in housing finance from the originator to Trinity
  • Diversification from retail or unrated wholesale funding into rated wholesale funding markets
  • Allows financial institutions to preserve valuable client relationships through a sub-servicing arrangement.