Alarm bells are being rung about a looming "sub-prime" crisis that could see banks exposed to the elements and more borrowers turned away from home loans in areas prone to extreme weather.
Climate change is something many borrowers are not factoring in when they buy a property, but risk assessors say it should be top of mind.
Ahmad Tabish and his young family just moved to the regional Victorian city of Shepparton for his new job.
