Hi Felix
Perhaps you could explain what you mean by 'securitise' the loan?
All residential borrowing is secured by registered mortgage against the residential property offered as security by the borrower, so I am not sure what you are referring to in your response.
Of course, the borrower may offer another property as security and not just the property being purchased (if that is the case for example where a borrower is, say, buying a commercial property but offering a residential property as security for the loan) but a mortgage is an instrument registered against property, it is not the loan itself.
Ergo, there is no direct correlation between loans and interest rates. It depends on the circumstances and the lender, it is not just a 'matter of course'.
Cheers
Kristine