Regulators are testing ways to cool the housing boom by limiting loans to investors, but their impact may be muted as tech-savvy borrowers turn to fintechs to access cheaper rates offered by non-bank lenders. Borrowers have access to 60 lenders through Hashching, including non-bank lenders like Liberty Financial, Pepper Group, Resaca and La Trobe Financial, and foreign banks like Citigroup. The platform's founder told the AFR that $20 billion in loans have been concluded via HashChing since 2015. The head of Westpac wealth arm BT Financial Group, John Shuttleworth, said banks that abandon the wealth sector could miss a "whole decade of growth". However, BTFG chief executive Brad Cooper said the group would drop outdated cross-selling tactics in its wealth push and instead focus on keeping customers within the digital "ecosystem" it has spent more than five years and A$630 million to build, the AFR reports.