Main elements from this presentation :
- typical customers : first home buyers and upgraders,
- average loan insured : 450 k$ to 550 k$,
- Helia track the LVR during the life of a mortgage, following the normal payback and increase in home price, but they do not necessarily get the pre-payment information related to the mortgage,
- Helia uses reinsurance, but not a great extent, keeping the majority of the risk in their balance sheet. They use re-insurance for very out of the money risks (extreme event).
Still interesting ?, page-8
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