Our latest loan book release contains information about every loan originated through RateSetter since our launch in late 2014 to 31 December 2018, when we passed $390 million in loans funded.
Data in the loan book includes loan amounts, interest rates, loan purpose and anonymised information related to borrowers such as age, gender, state/territory of
|Estimated annualised return at origination, after fees and estimated bad debt||7.91%||7.26%||7.82%||7.56%||7.69%||7.69%|
|Annualised return to date, after fees and bad debt realised||7.91%||7.26%||7.82%||7.56%||7.69%||7.69%|
Stated returns represent the actual daily investor interest received as a proportion of outstanding capital, after fees, across repayments in all lending markets for the specified calendar year. Individual lender returns may vary depending on the lending markets you choose and the rates at which your funds are matched with borrowers.
Credit and returns performance data as at 12:00 am on 13/02/2019. Whilst care has been exercised when compiling and publishing this data, we do not represent that this data is free from errors or omissions. Data may be updated at any time without notice. Estimated returns may assume that
We're proud that in Australia our Provision Fund has ensured that every single one of our investors has received every amount of principal and interest due to them. Our number one objective is to maintain this track record on an ongoing basis.
Provision Fund buffer^^^
Current estimate of bad debt***
Provision Fund coverage ratio
Capital and interest returned as due
*** Current estimate of bad debt is based on our analysis of borrower credit characteristics and the amount on loan. Our estimate of bad debt may change at any time.
^^^ Provision Fund buffer is the sum of money in the Provision Fund and expected Future Provision Fund inflows. For further information about the Provision Fund including the Provision Fund coverage ratio click here.