Crowd House Mortgages: how our financial world might be different in 2030

The financial world of 2030 as seen in the Consumers in 2030 report we produced with Which? magazine is radically different from that of today with the emphasis on shared endeavour and a disintermediation of large financial institutions. The Crowd House Mortgage idea couldn't be more removed from the model of today. The capital lent is sourced from people who know the borrowers - possibly only in a virtual sense - and the lending decision is taken not by computer but by those lenders. "Computer can't say no, co-worker can say yes." Click on the image to see a bigger version read more