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I've been amazed by the growth I've seen in the non-bank lending sector over the last 18 months, and I see this trend continuing, for a number of reasons.

When it comes to property, the risk is that borrowers (and speculators in particular) think tomorrow will be better than today and don’t act. Watching a speculator in action is like putting a frog in water and gradually increasing the temperature. The frog never jumps out.