A survey of more than 100 banking professionals on behalf of real estate finance brokers Stamford Capital has indicated a broad view (40 per cent of respondents) that APRA's lending constraints will force major banks will further tighten lending criteria. Conversely, non-bank lenders are expected to continue to gain momentum in the sector with 61 per cent expecting non-bank investment lending activity to increase. However, nearly three-quarters of respondents said they also expected APRA to increase oversight in the non-bank sector. Stamford Capital said it believed the way was open for new technology platforms to grow, including 'crowdsourcing' models, especially as non-bank lenders developed their own models to access capital. Non-bank home loan originator and lender Resimac has launched a new securitisation, backed by RESIMAC prime residential mortgages. The transaction, to be known as the RESIMAC Triomphe Trust - RESIMAC Premier Series 2018-1 includes nine classes of notes, with all but the lowest ranked E Notes being assigned preliminary ratings by S&P Global Ratings. The top-rated AAA (sf) tranches comprise a US$210 million A1 note and a A$289 million A2 note. Kiwi Wealth, a division of Kiwibank, has become the first financial services provider in New Zealand to be approved to provide "robo advice". Earlier this year the Financial Markets Authority began allowing exemptions (following a detailed applications process) to the law requiring all personalised financial advice to be delivered by a human.  Kiwi Wealth said its "personalised digital financial advice" would provide information and advice to members of its KiwiSaver super scheme.