Renting in CHCH is probably quite common. And a married, double-income couple who've stayed for a while in the same place sounds like a safe investment.
This is the thing that worries me about Harmoney's fast and easy approach to giving out loans:
"Borrowers may understate their expenses or liabilities, or overstate their income. In such cases, they may be unable to afford to repay a loan and default on their obligations. It may also mean that Harmoney assigns a risk grade which does not accurately reflect the borrower’s risk."
I get it that Harmoney is attractive to borrowers because it's easy to get a loan, but it seems too relaxed if people can just type in any numbers to "overstate" incomes.