With such a strong residential lending book due to only full documentation loans, Heritage are looking at reducing outstanding residential securitised mortgages from around half of loans down to 40 per cent."We now have the ability to access a wider variety of funding resources, which has allowed us to put the handbrake on securitisation more than what we have had to do in the past", said Minz."At the same time we will securitise what we need to, to manage the capital and to achieve our funding requirements."The rate of growth from a funding perspective with securitisation for capital adequacy or capital management, and we have been able, with increased profits, to drive that through to the prudential capital line, and access subordinated debt and assist in the generation of tier 1 innovative instruments".The increased sophistication and maturity of the society, coupled with the dual corporate ratings from Standard & Poor's and Moodys, has allowed access to a much wider range of debt funding sources.