More than two-thirds (67.2 per cent) of owner-occupied mortgages are now held by households with two incomes, presenting some problems if one decides to drop out of the workforce or becomes unemployed. Overall, some 9.3 per cent of dual-income households are classified as 'at risk' of mortgage stress, according to the latest Roy Morgan 'State of the Nation-Spotlight on Finance Risk' report. Even if it is the person designated as the 'non-main earner' drops out of the workforce, on Roy Morgan's estimates some 34.8 per cent will be at risk of mortgage stress. HSBC has set out an ambitious plan to grow its current mortgage book at the expense of the larger domestic banks, offering owner occupiers what it termed "a market leading rate" of 3.55 per cent (annual comparison rate 3.57 per cent) for its Home Value mortgages. HSBC claimed in a media release that this is lower than all "national banks" - defined as banks with a branch network across multiple states or territories. Small business owners are working up to 80 hour weeks, are losing sleep about cashflow and almost one in four are predicting revenue to decline through to the end of 2016, according to results of the latest Scottish Pacific SME Growth Index. Since September 2014 there has been a steady increase in SMEs looking to borrow from specialist non-bank lenders, a trend that has become more marked in the past year: 19.6 per cent of SMEs polled by researchers East & Partners, said they planned to fund their growth using a specialist non-bank lender, a 30 per cent increase from September 2015. Suncorp has started testing the waters with investors for a subordinated debt issue which will kick off as early as next week, according to the AFR's Street Talk. The new notes are understood to have a 26 year tenure with an optional call date after six years. The group is also said to be considering the addition of a clause that allows investors to request the notes are converted to common equity. Suncorp's latest presentation to investors showed in 2015-16 the company raised $225 million in tier-2 capital from subordinated debt