Mortgage Origination

  • Pelma RajapakseEmail author
  • Shanuka Senarath


The main focus of this chapter is on the mortgage origination process. As part of the examination, this chapter extends its discussion towards capital adequacy guidelines set by the Australian Prudential Regulation Authority and the consequences of such guidelines on originators (banks and Independent Mortgage Originators), initial borrowers, providers of credit enhancement, investors of residential mortgage-backed security (RMBS), and in general, their effects on asset securitisation in an Australian context. The latter part of the chapter looks into capital adequacy guidelines provided by Basel II. Finally, an international comparison of capital adequacy requirements is made towards the end of the discussion.


Mortgage origination Capital adequacy Prudential regulation Basel II 


Books and Book Chapters

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Web Sites

  1. BIS Home Page,
  2. APRA Home Page,
  3. Financial Services Authority Home Page,
  4. Government of Canada The Office of the Superintendent of Financial Institutions home page,

Copyright information

© The Author(s) 2019

Authors and Affiliations

  1. 1.Griffith UniversityBrisbaneAustralia
  2. 2.University of ColomboColomboSri Lanka

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