AUSTRALIAN FINANCE GROUP LTD — Interim / Quarterly Report 2021

Jul 7, 2021

8 July 2021

Market Announcements Office ASX Limited Exchange Centre 20 Bridge Street SYDNEY NSW 2000

Dear Sir/Madam

AFG MORTGAGE INDEX – Q4 2021

Please see attached statement regarding AFG’s Mortgage Index for the fourth quarter of financial year 2021.

Authorised for disclosure by:

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Lisa Bevan

Company Secretary

CONTACT DETAILS Alison Clarke, AFG Head of Corporate Communications David Bailey , CEO

Mob 0402 781 367 Tel (08) 9420 7888

AFG Index Market Release

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July 2021

Australian home loan market ends the financial year on a high

(ASX:AFG) The 2021 financial year drew to a close with another record quarter of activity for AFG brokers. The company recorded $22.6 billion in home loan lodgements for the three months to 30 June 2021. This an increase of 10% on the previous quarter and a massive 34% on the corresponding quarter last year.

AFG CEO David Bailey explained the results: “Whilst Upgraders remain the main source of lodgements at 42%, Refinancers fuelled by cash back offers from some lenders also drove activity, jumping by 4% to be 27% of the market. Continuing the increasing trend observed in the third quarter, Investor activity increased a further 2% to 25%.

“Despite hitting highs of 23% of application flow during the year on the back of support of State and Federal Government assistance packages, First Home Buyer activity dropped back to 14% of total activity for the final quarter of the year,” he said.

Record lodgments were broadly seen across the country, New South Wales is up 12.16% from the quarter to $7.87 billion and Victoria up 12.76% from Q3 21 to $7.54 billion. WA continues to show growth with an increase of 5.19% on the prior quarter, representing a significant 31.5% increase on this time last year, to $2.39 billion. Queensland lodgements increased by 5.28% for the quarter to $3.68 billion and South Australia recorded a 7.27% rise on Q3 21 to deliver $1.12 billion of home loan lodgements for the quarter. The exception was the Northern Territory, which was down 10.17% on the prior quarter to $41 million.

“The national average mortgage size has also increased to $593,250, up from $573,767 last quarter,” he said. Loan to value ratios (LVR), however, were down across the board meaning valuations are outpacing the growth in loan sizes. “With speculation that the market is overheated, it is reassuring customers are not drawing up to the full value of their properties and are instead retaining equity.”

The low interest rate environment is seeing more customers choose a Fixed Rate mortgage to lock in the benefit, with Fixed products at their highest ever level of 38%. Homebuyers are also opting to pay down their loans with 84% of borrowers choosing Principal and Interest (P&I) products ahead of paying interest only.

The Big 4 Banks and their associated brands have lifted by 2.2% to be sitting at 59.31% of the market.

“On the back of a consistent cash back offer, the Westpac group is taking the lion’s share of the increase, jumping from 17.97 % to 22.73 % of the market. ANZ recorded another dip as their share of the market dropped from 9.41% to 6.93%. With the tapering of the Term Funding Facility free kick, it will be interesting to see if cash back offers continue, especially given the fixed rate bonanza for customers appears to be ending.”

Among the non-majors Macquarie felt the impact of the Big 4 Banks taking back market share the most, with their share dropping from 9.91% to 8.53% for the quarter.

“In a positive sign, lender turnaround times (TAT) are starting to show signs of improvement with the average number of days from submission to formal approval dropping back to 25 days from a high of 27 days the prior quarter. Whilst pleasing to see a reduction, customers should consult with their broker as there are many lenders with strong offers in the market with TAT’s considerably inside 25 days,” he concluded.

-ends-

For media enquiries, please contact

Alison Clarke

Head of Corporate Communications

P (08) 9420 7014 | P 0402 781 367 afgonline.com.au

2

Table 1

AFG Mortgages lodged

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Fiscal QuarterFiscal Lodge # Lodge Volume Avg Loan Inv % First Home Buyers % Refinance % Upgrader % Interest Only % Principal & Interest %
2013 1 21,572 $8,416,984,858 $390,181 36% 15% 34% 28% 53% 47%
2013 2 21,409 $8,487,848,309 $396,462 36% 12% 34% 31% 51% 48%
2013 3 21,210 $8,323,131,168 $392,415 36% 12% 33% 31% 52% 48%
2013 4 24,446 $9,799,862,723 $400,878 37% 11% 33% 30% 54% 46%
2014 1 25,819 $10,542,068,141 $408,307 38% 10% 31% 32% 54% 46%
2014 2 25,896 $10,984,615,499 $424,182 39% 9% 32% 31% 56% 44%
2014 3 24,231 $10,302,849,053 $425,193 39% 9% 32% 31% 57% 43%
2014 4 26,966 $11,551,435,673 $428,370 39% 9% 34% 30% 58% 42%
2015 1 28,132 $12,204,183,662 $433,819 39% 8% 34% 31% 58% 42%
2015 2 28,664 $12,892,326,077 $449,774 39% 7% 36% 30% 59% 41%
2015 3 27,496 $12,267,821,050 $446,167 40% 8% 35% 30% 59% 41%
2015 4 31,230 $14,355,020,533 $459,655 40% 8% 37% 28% 59% 40%
2016 1 29,919 $14,074,122,292 $470,408 33% 9% 36% 34% 54% 46%
2016 2 28,849 $13,707,774,726 $475,156 31% 7% 38% 35% 50% 50%
2016 3 27,275 $12,899,531,564 $472,943 33% 8% 38% 34% 48% 52%
2016 4 30,360 $14,492,569,632 $477,357 34% 7% 39% 33% 47% 53%
2017 1 31,572 $15,124,154,412 $479,037 32% 8% 38% 34% 46% 54%
2017 2 30,742 $14,979,398,027 $487,262 34% 9% 38% 32% 47% 53%
2017 3 29,038 $14,150,343,319 $487,304 32% 10% 35% 34% 44% 55%
2017 4 30,056 $14,551,070,209 $484,132 31% 10% 29% 39% 33% 67%
2018 1 30,471 $14,948,327,171 $490,576 29% 13% 25% 41% 19% 81%
2018 2 29,673 $14,813,114,159 $499,212 28% 13% 22% 44% 19% 81%
2018 3 27,723 $13,794,277,704 $497,575 28% 13% 23% 43% 20% 80%
2018 4 28,865 $14,542,901,956 $503,825 28% 13% 23% 43% 19% 81%
2019 1 27,869 $14,163,790,155 $508,227 27% 14% 24% 43% 19% 81%
2019 2 25,525 $12,967,945,442 $508,049 27% 13% 24% 43% 18% 81%
2019 3 23,035 $11,613,654,328 $504,174 26% 14% 25% 43% 19% 81%
2019 4 25,244 $12,977,940,620 $514,100 28% 14% 28% 39% 20% 80%
2020 1 29,141 $15,700,098,779 $538,763 26% 15% 28% 40% 18% 82%
2020 2 28,602 $15,368,708,504 $537,330 26% 15% 27% 41% 18% 82%
2020 3 28,335 $15,344,491,297 $541,538 25% 15% 30% 39% 17% 83%
2020 4 31,070 $16,853,561,725 $542,438 25% 15% 32% 38% 16% 84%
2021 1 35,442 $18,187,912,093 $513,174 21% 23% 23% 40% 14% 86%
2021 2 36,548 $19,837,527,015 $542,780 21% 22% 22% 42% 12% 88%
2021 3 35,831 $20,558,636,564 $573,767 23% 18% 23% 43% 14% 86%
2021 4 38,160 $22,638,426,110 $593,250 25% 14% 27% 42% 16% 84%
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3

Table 2

Big 4 Banks & their Associated Brands vs Non Major Lender market share

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Lodgement Investment Volume Buyers VolumeFirst Home Refinance Volume Upgrader Volume Interest Only Volume Interest VolumePrincipal &
Fiscal Non- Non- Non- Non- Non- Non- Non-
Fiscal Major Major Major Major Major Major Major
Quarter Major Major Major Major Major Major Major
2013 1 77.1% 22.9% 79.4% 20.6% 74.5% 25.5% 72.9% 27.1% 79.5% 20.5% 81.3% 18.7% 72.4% 27.6%
2013 2 77.6% 22.4% 80.8% 19.2% 74.2% 25.8% 73.6% 26.4% 79.3% 20.7% 81.6% 18.4% 73.4% 26.6%
2013 3 78.2% 21.8% 80.0% 20.0% 77.1% 22.9% 73.4% 26.6% 80.4% 19.6% 82.2% 17.8% 74.0% 26.0%
2013 4 77.0% 23.0% 79.3% 20.7% 74.5% 25.5% 72.6% 27.4% 79.3% 20.7% 80.4% 19.6% 73.1% 26.9%
2014 1 74.1% 25.9% 76.5% 23.5% 72.8% 27.2% 67.3% 32.7% 76.9% 23.1% 77.0% 23.0% 70.7% 29.3%
2014 2 73.6% 26.4% 75.4% 24.6% 72.3% 27.7% 67.5% 32.5% 76.1% 23.9% 76.5% 23.5% 69.8% 30.2%
2014 3 74.3% 25.7% 77.1% 22.9% 71.1% 28.9% 68.3% 31.7% 76.7% 23.3% 77.3% 22.7% 70.5% 29.5%
2014 4 74.8% 25.2% 77.3% 22.7% 71.6% 28.4% 69.3% 30.7% 77.9% 22.1% 77.8% 22.2% 70.5% 29.5%
2015 1 73.7% 26.3% 76.8% 23.2% 69.7% 30.3% 66.5% 33.5% 77.3% 22.7% 77.0% 23.0% 69.1% 30.9%
2015 2 69.8% 30.2% 74.2% 25.8% 67.0% 33.0% 62.5% 37.5% 72.6% 27.4% 73.9% 26.1% 63.8% 36.2%
2015 3 73.4% 26.6% 76.4% 23.6% 72.3% 27.7% 67.1% 32.9% 75.5% 24.5% 76.9% 23.1% 68.3% 31.7%
2015 4 71.7% 28.3% 74.8% 25.2% 70.7% 29.3% 64.8% 35.2% 75.5% 24.5% 76.5% 23.5% 64.9% 35.1%
2016 1 73.7% 26.3% 72.7% 27.3% 73.8% 26.2% 68.9% 31.1% 78.1% 21.9% 78.2% 21.8% 68.6% 31.4%
2016 2 69.9% 30.1% 71.1% 28.9% 70.4% 29.6% 61.2% 38.8% 75.4% 24.6% 76.6% 23.4% 63.4% 36.6%
2016 3 70.6% 29.4% 72.0% 28.0% 70.0% 30.0% 64.8% 35.2% 74.5% 25.5% 76.2% 23.8% 65.4% 34.6%
2016 4 70.9% 29.1% 73.9% 26.1% 72.2% 27.8% 66.2% 33.8% 73.4% 26.6% 75.0% 25.0% 67.3% 32.7%
2017 1 71.1% 28.9% 74.4% 25.6% 77.0% 23.0% 65.4% 34.6% 73.4% 26.6% 75.6% 24.4% 67.4% 32.6%
2017 2 65.2% 34.8% 68.4% 31.6% 68.3% 31.7% 58.2% 41.8% 69.0% 31.0% 69.8% 30.2% 61.3% 38.7%
2017 3 65.6% 34.4% 67.3% 32.7% 70.2% 29.8% 58.0% 42.0% 69.4% 30.6% 69.0% 31.0% 62.8% 37.2%
2017 4 64.7% 35.3% 68.5% 31.5% 70.0% 30.0% 57.5% 42.5% 66.0% 34.0% 62.6% 37.4% 65.7% 34.3%
2018 1 64.3% 35.7% 68.9% 31.1% 68.0% 32.0% 57.6% 42.4% 64.2% 35.8% 58.3% 41.7% 65.9% 34.1%
2018 2 64.1% 35.9% 66.5% 33.5% 69.5% 30.5% 57.5% 42.5% 64.3% 35.7% 63.5% 36.5% 64.3% 35.7%
2018 3 63.2% 36.8% 65.0% 35.0% 67.6% 32.4% 58.9% 41.1% 63.2% 36.8% 65.0% 35.0% 62.9% 37.1%
2018 4 59.2% 40.8% 57.2% 42.8% 68.4% 31.6% 54.1% 45.9% 59.9% 40.1% 59.5% 40.5% 59.3% 40.7%
2019 1 59.7% 40.3% 57.1% 42.9% 68.2% 31.8% 55.4% 44.6% 60.5% 39.5% 57.8% 42.2% 60.2% 39.8%
2019 2 57.9% 42.1% 56.5% 43.5% 67.8% 32.2% 53.1% 46.9% 58.1% 41.9% 57.4% 42.6% 58.1% 41.9%
2019 3 58.6% 41.4% 56.5% 43.5% 68.2% 31.8% 53.1% 46.9% 59.6% 40.4% 60.2% 39.8% 58.4% 41.6%
2019 4 57.6% 42.4% 56.2% 43.8% 65.5% 34.5% 51.5% 48.5% 59.0% 41.0% 55.4% 44.6% 58.3% 41.7%
2020 1 54.0% 46.0% 50.1% 49.9% 65.1% 34.9% 45.0% 55.0% 57.1% 42.9% 47.5% 52.5% 55.5% 44.5%
2020 2 53.1% 46.9% 48.2% 51.8% 64.0% 36.0% 46.7% 53.3% 55.2% 44.8% 44.8% 55.2% 55.0% 45.0%
2020 3 59.5% 40.5% 54.0% 46.0% 61.7% 38.3% 61.0% 39.0% 60.6% 39.4% 52.5% 47.5% 61.1% 38.9%
2020 4 66.8% 33.2% 64.4% 35.6% 66.9% 33.1% 71.1% 28.9% 65.7% 34.3% 62.2% 37.8% 67.7% 32.3%
2021 1 58.9% 41.1% 54.6% 45.4% 63.9% 36.1% 58.1% 41.9% 58.9% 41.1% 54.6% 45.4% 59.6% 40.4%
2021 2 58.7% 41.3% 54.6% 45.4% 65.0% 35.0% 58.0% 42.0% 57.5% 42.5% 54.4% 45.6% 59.4% 40.6%
2021 3 57.1% 42.9% 51.6% 48.4% 62.0% 38.0% 58.1% 41.9% 56.9% 43.1% 51.8% 48.2% 58.1% 41.9%
2021 4 59.3% 40.7% 54.6% 45.4% 64.8% 35.2% 61.1% 38.9% 59.3% 40.7% 54.0% 46.0% 60.3% 39.7%
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4

Table 3

Total lodgement volume

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Fiscal
Fiscal National NSW NT QLD SA VIC WA
Quarter
2013 1 $8,416,984,858 $2,317,367,446 $112,863,129 $1,700,649,487 $539,487,818 $1,863,981,141 $1,882,635,836
2013 2 $8,487,848,309 $2,398,852,214 $110,388,955 $1,624,079,026 $538,593,522 $1,901,175,060 $1,914,759,532
2013 3 $8,323,131,168 $2,280,977,557 $101,610,181 $1,596,917,132 $557,028,090 $1,773,185,026 $2,013,413,182
2013 4 $9,799,862,723 $2,888,886,136 $122,968,345 $1,720,775,026 $548,935,991 $2,183,140,166 $2,335,157,058
2014 1 $10,542,068,141 $3,363,650,441 $138,740,721 $1,839,020,142 $585,449,797 $2,299,156,557 $2,316,050,484
2014 2 $10,984,615,499 $3,472,344,992 $137,288,354 $1,938,332,722 $590,007,574 $2,476,884,646 $2,369,757,211
2014 3 $10,302,849,053 $3,187,107,101 $127,502,922 $1,770,156,872 $546,664,335 $2,425,749,349 $2,245,668,475
2014 4 $11,551,435,673 $3,628,795,263 $139,021,892 $1,976,761,591 $619,877,859 $2,704,035,935 $2,482,943,132
2015 1 $12,204,183,662 $3,982,906,595 $140,208,398 $2,071,232,827 $607,398,884 $2,916,486,393 $2,485,950,565
2015 2 $12,892,326,077 $4,473,053,948 $143,659,370 $2,164,914,833 $688,396,536 $3,062,350,192 $2,359,951,199
2015 3 $12,267,821,050 $4,279,463,704 $131,624,091 $2,009,757,086 $644,051,341 $2,933,481,013 $2,269,443,815
2015 4 $14,355,020,533 $5,330,891,403 $96,100,541 $2,284,022,430 $771,411,097 $3,392,372,612 $2,480,222,452
2016 1 $14,074,122,292 $5,270,542,626 $98,020,283 $2,153,754,408 $760,635,526 $3,517,006,688 $2,274,162,761
2016 2 $13,707,774,726 $4,986,124,658 $95,533,032 $2,150,036,538 $772,308,708 $3,576,347,152 $2,127,424,638
2016 3 $12,899,531,564 $4,694,023,747 $90,074,503 $2,150,045,918 $712,310,474 $3,368,595,762 $1,884,481,160
2016 4 $14,492,569,632 $5,290,743,282 $97,762,354 $2,429,809,118 $791,840,063 $3,878,131,520 $2,004,283,296
2017 1 $15,124,154,412 $5,470,285,452 $84,174,287 $2,605,711,215 $800,951,939 $4,229,823,532 $1,933,207,986
2017 2 $14,979,398,027 $5,426,003,273 $87,187,718 $2,505,307,678 $773,351,604 $4,398,741,172 $1,788,806,582
2017 3 $14,150,343,319 $5,090,364,411 $87,970,635 $2,368,574,830 $749,783,201 $4,240,682,427 $1,612,967,814
2017 4 $14,551,070,209 $5,232,634,409 $51,531,037 $2,437,424,105 $770,982,709 $4,443,174,978 $1,615,322,970
2018 1 $14,948,327,171 $5,249,369,845 $71,240,391 $2,387,991,140 $760,134,506 $4,919,302,623 $1,560,288,667
2018 2 $14,813,114,159 $5,135,582,112 $76,497,858 $2,379,070,453 $757,818,346 $4,897,925,624 $1,566,219,765
2018 3 $13,794,277,704 $4,768,022,797 $83,500,004 $2,169,351,235 $695,742,174 $4,562,932,102 $1,514,729,392
2018 4 $14,542,901,956 $4,945,079,005 $44,071,649 $2,363,033,867 $740,025,134 $4,995,095,503 $1,455,596,797
2019 1 $14,163,790,155 $4,793,252,745 $62,523,577 $2,315,756,324 $750,066,146 $4,701,475,068 $1,540,716,295
2019 2 $12,967,945,442 $4,233,005,993 $58,969,782 $2,172,935,808 $701,327,836 $4,290,552,719 $1,511,153,304
2019 3 $11,613,654,328 $3,826,801,444 $56,350,344 $1,939,666,136 $652,995,108 $3,815,804,776 $1,322,036,519
2019 4 $12,977,940,620 $4,375,771,934 $51,732,776 $2,043,286,038 $729,805,145 $4,417,355,877 $1,359,988,850
2020 1 $15,700,098,779 $5,557,109,383 $49,180,869 $2,553,060,036 $785,196,149 $5,158,250,291 $1,597,302,050
2020 2 $15,368,708,504 $5,286,206,957 $66,968,715 $2,524,588,299 $817,886,850 $5,095,685,809 $1,577,371,875
2020 3 $15,344,491,297 $5,020,785,237 $53,037,994 $2,550,200,816 $779,188,767 $5,371,437,553 $1,569,840,930
2020 4 $16,853,561,725 $5,922,253,031 $69,845,602 $2,735,081,395 $883,758,855 $5,426,637,030 $1,815,985,812
2021 1 $18,187,912,093 $6,224,279,577 $48,487,810 $3,343,105,728 $1,031,077,355 $5,358,986,630 $2,181,974,993
2021 2 $19,837,527,015 $6,423,867,863 $43,489,534 $3,598,556,919 $1,026,932,438 $6,285,275,987 $2,459,404,273
2021 3 $20,558,636,564 $7,017,777,663 $45,770,750 $3,491,745,410 $1,046,175,670 $6,687,012,511 $2,270,154,560
2021 4 $22,638,426,110 $7,870,893,263 $41,114,893 $3,676,105,762 $1,122,201,319 $7,540,025,348 $2,388,085,526
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5

Table 4

Average mortgage size in dollars

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Fiscal
Fiscal National NSW NT QLD SA VIC WA
Quarter
2013 1 $390,181 $454,208 $393,251 $344,540 $315,859 $382,905 $403,048
2013 2 $396,462 $471,380 $379,343 $343,648 $314,049 $385,087 $411,688
2013 3 $392,415 $459,504 $376,334 $346,178 $331,960 $378,078 $403,086
2013 4 $400,878 $482,930 $401,857 $341,559 $314,037 $384,423 $410,180
2014 1 $408,307 $496,846 $397,538 $347,970 $318,525 $389,292 $408,402
2014 2 $424,182 $515,950 $375,105 $356,770 $332,961 $413,227 $423,095
2014 3 $425,193 $513,057 $378,347 $358,767 $333,332 $415,795 $425,800
2014 4 $428,370 $522,655 $407,689 $365,323 $330,073 $411,949 $425,964
2015 1 $433,819 $523,722 $383,083 $363,247 $332,639 $423,600 $432,490
2015 2 $449,774 $561,096 $394,669 $368,810 $350,686 $434,438 $433,337
2015 3 $446,167 $550,626 $385,994 $371,283 $338,262 $429,751 $433,100
2015 4 $459,655 $558,150 $421,494 $380,164 $352,403 $440,168 $447,129
2016 1 $470,408 $582,380 $400,083 $386,324 $362,035 $455,276 $435,413
2016 2 $475,156 $581,676 $415,361 $393,924 $371,660 $463,918 $443,029
2016 3 $472,943 $588,814 $384,934 $394,359 $372,353 $446,408 $453,218
2016 4 $477,357 $591,607 $407,343 $398,722 $378,509 $455,287 $448,085
2017 1 $479,037 $596,802 $408,613 $400,324 $378,701 $458,567 $444,211
2017 2 $487,262 $602,555 $384,087 $403,301 $378,167 $476,415 $444,977
2017 3 $487,304 $602,196 $418,908 $403,987 $385,097 $476,321 $440,461
2017 4 $484,132 $593,673 $393,367 $408,621 $378,118 $473,333 $434,227
2018 1 $490,576 $596,994 $397,991 $411,936 $388,617 $481,765 $441,383
2018 2 $499,212 $611,597 $460,830 $416,577 $389,024 $494,990 $440,444
2018 3 $497,575 $602,784 $444,149 $417,987 $397,794 $493,237 $440,969
2018 4 $503,825 $608,400 $393,497 $426,617 $397,649 $502,323 $443,644
2019 1 $508,227 $624,040 $390,772 $423,976 $407,645 $508,377 $442,989
2019 2 $508,049 $618,047 $409,512 $449,046 $395,337 $504,178 $443,283
2019 3 $504,174 $619,725 $405,398 $440,733 $407,867 $498,407 $431,615
2019 4 $514,100 $626,184 $413,862 $444,193 $402,318 $511,623 $441,125
2020 1 $538,763 $665,761 $413,285 $459,680 $414,570 $529,649 $457,942
2020 2 $537,330 $657,080 $426,552 $458,266 $432,059 $539,397 $444,205
2020 3 $541,538 $662,373 $438,331 $461,324 $426,019 $545,047 $458,750
2020 4 $542,438 $678,379 $396,850 $462,554 $420,037 $539,266 $444,659
2021 1 $513,174 $663,428 $375,874 $440,462 $397,792 $509,652 $416,885
2021 2 $542,780 $694,247 $443,771 $465,170 $418,132 $543,662 $451,764
2021 3 $573,767 $727,231 $423,803 $491,242 $442,545 $569,156 $467,880
2021 4 $593,250 $753,845 $419,540 $499,675 $450,502 $594,030 $470,096
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6

Table 5

Loan to value ratios (LVR)

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Fiscal
Fiscal National NSW NT QLD SA VIC WA
Quarter
2013 1 69.6% 69.8% 68.3% 70.2% 69.0% 70.4% 70.1%
2013 2 70.2% 70.5% 67.1% 70.5% 70.3% 71.1% 72.0%
2013 3 70.3% 70.0% 68.0% 70.2% 70.4% 71.8% 71.2%
2013 4 70.0% 69.7% 68.0% 69.8% 70.3% 72.0% 70.3%
2014 1 69.9% 69.5% 66.3% 70.4% 69.3% 71.9% 71.6%
2014 2 70.4% 69.3% 66.8% 71.3% 71.3% 71.9% 71.6%
2014 3 69.8% 69.0% 65.8% 70.1% 70.8% 72.8% 70.6%
2014 4 69.4% 68.5% 64.3% 69.4% 71.4% 72.8% 70.1%
2015 1 70.0% 68.7% 67.7% 69.0% 70.9% 72.5% 71.3%
2015 2 70.5% 68.7% 68.7% 69.9% 71.7% 73.1% 70.5%
2015 3 69.5% 68.4% 64.6% 70.0% 70.8% 72.9% 70.7%
2015 4 69.5% 66.8% 64.9% 69.6% 71.8% 72.7% 71.0%
2016 1 69.7% 67.3% 67.3% 69.3% 69.6% 73.0% 71.5%
2016 2 69.7% 65.9% 67.4% 70.3% 71.5% 71.7% 71.1%
2016 3 69.0% 66.2% 62.8% 70.2% 71.1% 72.7% 71.2%
2016 4 69.2% 66.1% 66.4% 70.0% 70.2% 72.1% 70.5%
2017 1 69.5% 66.2% 67.9% 70.0% 70.6% 71.0% 71.6%
2017 2 69.5% 65.5% 68.1% 69.6% 70.3% 71.9% 71.4%
2017 3 69.2% 65.4% 67.3% 68.9% 70.9% 71.6% 71.1%
2017 4 67.6% 64.0% 62.7% 68.1% 69.9% 70.8% 70.0%
2018 1 68.5% 64.5% 65.5% 68.9% 68.9% 70.8% 72.3%
2018 2 68.4% 64.5% 65.9% 68.5% 70.7% 69.4% 71.2%
2018 3 68.4% 63.8% 66.1% 69.3% 70.9% 68.9% 71.2%
2018 4 68.0% 63.6% 65.9% 69.1% 69.6% 68.6% 71.1%
2019 1 67.8% 65.0% 62.2% 68.9% 70.1% 68.6% 72.1%
2019 2 68.4% 65.0% 66.8% 69.3% 69.5% 68.0% 71.9%
2019 3 68.4% 65.3% 64.0% 69.7% 70.1% 69.1% 72.0%
2019 4 69.5% 65.9% 69.8% 69.5% 70.1% 69.6% 71.9%
2020 1 70.3% 67.4% 71.8% 70.1% 70.3% 70.3% 71.9%
2020 2 69.8% 67.3% 66.8% 70.1% 71.3% 70.5% 72.7%
2020 3 70.3% 67.7% 69.4% 70.5% 70.8% 70.3% 72.8%
2020 4 70.1% 68.2% 65.9% 71.8% 70.6% 71.1% 72.7%
2021 1 72.3% 69.2% 70.3% 73.5% 73.3% 72.1% 75.3%
2021 2 73.5% 69.5% 77.2% 73.4% 72.0% 72.8% 76.1%
2021 3 72.2% 68.7% 74.9% 72.0% 71.3% 71.6% 74.3%
2021 4 69.6% 67.1% 68.0% 69.8% 69.7% 69.3% 73.5%
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7

Table 6

Big 4 Banks & their Associated Brands market share all mortgages

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2019 2020 2021
Fiscal 4 1 2 3 4 1 2 3 4
8.49% 11.30% 9.57% 9.94% 25.55% 9.72% 10.58% 9.41% 6.93%
17.69% 16.24% 14.85% 14.71% 18.66% 18.82% 15.70% 13.27% 14.13%
7.43% 6.22% 5.47% 5.76% 4.63% 6.62% 5.03% 6.24% 5.57%
7.32% 7.90% 8.54% 9.02% 7.59% 7.53% 8.78% 10.22% 9.95%
7.76% 6.39% 7.23% 10.19% 5.76% 7.40% 7.81% 7.66% 10.92%
2.62% 1.83% 2.55% 4.15% 1.63% 3.11% 4.23% 4.16% 4.93%
0.67% 0.55% 0.80% 0.78% 0.36% 0.77% 0.98% 0.78% 0.85%
3.95% 3.56% 4.11% 5.00% 2.61% 4.97% 5.61% 5.37% 6.03%
Major Total 55.94% 53.99% 53.12% 59.54% 66.78% 58.94% 58.72% 57.11% 59.31%
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8

Table 7

Non Major Lender market share all mortgages

	2019	2020	2021
Fiscal	4	1 2 3 4	1 2 3 4
AFG Commercial Powered by Thinktank	0.00%	0.01% 0.00% 0.01% 0.01%	0.01% 0.00% 0.01% 0.09%
AFG Home Loans	8.93%	8.96% 10.02% 9.73% 6.40%	8.46% 7.77% 9.11% 9.28%
Adelaide Bank	0.02%	0.06% 0.07% 0.07% 0.15%	0.08% 0.08% 0.14% 0.03%
AMP	2.43%	3.45% 2.49% 2.25% 1.68%	1.85% 2.08% 2.20% 2.16%
Auswide Bank	0.26%	0.35% 0.25% 0.37% 0.42%	0.75% 0.33% 0.46% 0.37%
Bank Australia	0.69%	0.89% 0.57% 0.84% 1.01%	1.13% 0.99% 0.98% 0.75%
Bank of China	0.33%	0.24% 0.32% 0.28% 0.77%	0.58% 0.25% 0.46% 0.33%
Bank of QLD	1.21%	1.09% 0.69% 0.76% 0.83%	0.70% 1.09% 0.94% 1.12%
Bank of Sydney	0.27%	0.36% 0.55% 0.13% 0.01%	0.05% 0.01% 0.05% 0.20%
Better Mortgage Management	0.00%	0.00% 0.00% 0.00% 0.00%	0.00% 0.01% 0.07% 0.02%
Beyond Bank	0.11%	0.15% 0.25% 0.45% 0.41%	0.51% 0.15% 0.19% 0.20%
Bluestone	0.60%	0.48% 0.69% 0.66% 0.07%	0.20% 0.30% 0.60% 0.56%
Citibank	0.98%	0.49% 1.90% 0.37% 0.32%	0.66% 0.86% 0.93% 0.66%
Firefghters Mutual Bank	0.03%	0.00% 0.01% 0.01% 0.05%	0.04% 0.01% 0.03% 0.01%
Firstmac	0.00%	0.00% 0.00% 0.00% 0.00%	0.00% 0.00% 0.00% 0.20%
Granite Home Loans	0.00%	0.00% 0.00% 0.00% 0.02%	0.04% 0.11% 0.14% 0.19%
Great Southern Bank	0.23%	0.43% 0.35% 0.48% 0.43%	0.88% 0.55% 0.89% 0.92%
Health Professionals Bank	0.00%	0.03% 0.04% 0.03% 0.17%	0.12% 0.08% 0.13% 0.03%
Heritage Bank	0.38%	0.41% 0.82% 0.58% 0.58%	0.64% 0.46% 0.52% 0.52%
HomeStart	0.27%	0.21% 0.20% 0.19% 0.16%	0.28% 0.29% 0.18% 0.12%
Hume Bank	0.00%	0.00% 0.00% 0.00% 0.00%	0.01% 0.03% 0.03% 0.18%
ING	3.99%	4.20% 3.45% 2.49% 3.20%	2.74% 3.08% 3.11% 2.82%
Keystart	0.18%	0.16% 0.17% 0.19% 0.16%	0.25% 0.32% 0.21% 0.17%
La Trobe	1.77%	1.31% 1.57% 1.41% 0.86%	0.81% 0.97% 1.02% 1.10%
Liberty	1.51%	1.39% 1.35% 1.21% 1.09%	1.03% 0.97% 1.06% 1.06%
Macquarie	9.68%	12.19% 11.34% 8.78% 6.72%	10.12% 11.46% 9.91% 8.53%
ME	2.11%	1.95% 2.43% 1.57% 1.57%	1.61% 1.29% 1.24% 1.04%
MKM Capital Pty Ltd	0.02%	0.02% 0.02% 0.02% 0.03%	0.01% 0.01% 0.00% 0.02%
MyState	0.43%	0.36% 0.40% 0.83% 0.36%	0.39% 0.33% 0.51% 0.39%
Newcastle Permanent	0.28%	0.28% 0.40% 0.34% 0.48%	0.56% 0.43% 0.41% 0.45%
P&N Bank	0.16%	0.17% 0.13% 0.25% 0.23%	0.26% 0.22% 0.27% 0.35%
Pepper Money	1.41%	1.44% 1.59% 1.17% 0.21%	0.84% 1.08% 1.35% 1.20%
QBANK	0.00%	0.01% 0.04% 0.08% 0.04%	0.11% 0.14% 0.09% 0.08%
Resimac	1.86%	1.87% 1.76% 1.76% 1.45%	1.27% 1.28% 1.09% 1.47%
Suncorp	2.85%	1.96% 2.08% 2.41% 1.96%	2.51% 2.53% 2.63% 2.73%
Teachers Mutual Bank	0.14%	0.07% 0.14% 0.06% 0.25%	0.18% 0.11% 0.16% 0.05%
UniBank	0.08%	0.10% 0.11% 0.09% 0.38%	0.33% 0.14% 0.34% 0.12%
Virgin Money	0.83%	0.92% 0.69% 0.58% 0.75%	0.89% 0.97% 0.87% 0.69%
86 400	0.00%	0.00% 0.00% 0.00% 0.00%	0.16% 0.51% 0.55% 0.50%
Non-Major Total	44.06%	46.01% 46.88% 40.46% 33.22%	41.06% 41.28% 42.89% 40.69%

Abbreviations

AFGHL = AFG Home Loans; ING = ING Direct; BOM = Bank of Melbourne; Macquarie = Macquarie Bank; AMP = AMP Bank; Liberty = Liberty Financial; Pepper = Pepper Homeloans; Adelaide = Adelaide Bank; Heritage = Heritage Bank; HomeStart Finance = Homestart; La Trobe = La Trobe Financial; P&N = Police & Nurses Bank; Bank of QLD = Bank of Queensland

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Table 8

Big 4 Banks & their Associated Brands market share fixed rate mortgages

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2019 2020 2021
Fiscal 4 1 2 3 4 1 2 3 4
7.69% 10.91% 9.73% 14.47% 33.41% 10.80% 12.08% 10.18% 7.41%
12.35% 12.53% 13.68% 15.58% 17.94% 18.56% 16.57% 13.40% 14.79%
4.73% 3.97% 2.79% 2.47% 2.48% 4.79% 3.36% 4.48% 4.41%
14.49% 13.64% 14.91% 13.44% 9.06% 11.17% 13.90% 15.23% 14.21%
15.47% 11.26% 10.28% 14.00% 6.30% 8.69% 6.74% 8.62% 12.42%
2.22% 2.95% 2.89% 2.71% 1.29% 2.63% 4.64% 4.98% 6.09%
0.85% 0.75% 0.88% 0.54% 0.19% 0.60% 0.89% 0.74% 0.90%
5.80% 5.19% 4.66% 5.09% 2.15% 5.18% 6.89% 6.85% 7.93%
Major Total 63.60% 61.20% 59.82% 68.29% 72.82% 62.42% 65.07% 64.49% 68.16%
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10

Table 9

Non Major Lender market share fixed rate mortgages

2019	2020	2021
Fiscal 4	1 2 3 4	1 2 3 4
AFG Home Loans 7.94%	10.43% 8.57% 6.44% 4.45%	6.37% 4.13% 4.64% 4.99%
Adelaide Bank 0.05%	0.12% 0.18% 0.18% 0.34%	0.20% 0.19% 0.25% 0.05%
AMP 2.47%	2.69% 1.50% 1.26% 1.05%	1.74% 1.99% 2.62% 2.37%
Auswide Bank 0.28%	0.55% 0.18% 0.32% 0.70%	1.45% 0.72% 0.85% 0.60%
Bank Australia 0.71%	2.46% 2.13% 2.25% 2.06%	2.60% 2.27% 2.24% 1.38%
Bank of China 0.46%	0.10% 0.00% 0.02% 0.26%	0.30% 0.08% 0.34% 0.48%
Bank of Sydney 0.00%	0.00% 0.00% 0.00% 0.00%	0.00% 0.00% 0.01% 0.23%
Beyond Bank 0.06%	0.19% 0.46% 0.54% 0.44%	0.56% 0.11% 0.24% 0.21%
Bluestone 0.21%	0.35% 0.28% 0.23% 0.00%	0.02% 0.03% 0.12% 0.08%
Bank of QLD 1.94%	2.44% 0.75% 0.73% 0.36%	0.50% 0.95% 0.69% 1.16%
Citibank 0.17%	0.04% 3.59% 0.53% 0.22%	0.91% 1.27% 1.34% 0.87%
Firefghters Mutual Bank 0.13%	0.00% 0.07% 0.03% 0.15%	0.13% 0.01% 0.09% 0.02%
Firstmac 0.00%	0.00% 0.00% 0.00% 0.00%	0.00% 0.00% 0.00% 0.07%
Great Southern Bank 0.35%	0.96% 0.33% 0.35% 0.27%	0.76% 0.75% 1.26% 1.30%
Health Professionals Bank 0.00%	0.15% 0.27% 0.17% 0.48%	0.35% 0.22% 0.33% 0.07%
Heritage Bank 0.60%	0.73% 1.54% 1.03% 0.45%	0.77% 0.54% 0.59% 0.57%
HomeStart 0.05%	0.01% 0.02% 0.06% 0.03%	0.17% 0.10% 0.06% 0.06%
Hume Bank 0.00%	0.00% 0.00% 0.00% 0.00%	0.02% 0.00% 0.02% 0.16%
ING 2.57%	0.94% 2.56% 4.29% 5.43%	3.42% 3.57% 3.31% 3.57%
La Trobe 0.00%	0.00% 0.00% 0.00% 0.00%	0.00% 0.00% 0.00% 0.01%
Liberty 0.48%	0.11% 0.04% 0.02% 0.00%	0.02% 0.01% 0.01% 0.02%
Macquarie 2.97%	4.15% 7.01% 4.97% 3.73%	7.94% 9.34% 7.52% 5.51%
ME 3.66%	2.22% 4.01% 2.19% 1.10%	1.45% 1.15% 1.22% 1.21%
P&N Bank 0.60%	0.71% 0.15% 0.27% 0.17%	0.22% 0.35% 0.44% 0.60%
Suncorp 6.93%	4.21% 2.35% 2.23% 1.51%	3.11% 3.21% 3.03% 3.38%
MyState 0.36%	0.15% 0.04% 0.56% 0.34%	0.39% 0.35% 0.59% 0.40%
Newcastle Permanent 0.22%	0.28% 0.74% 0.80% 0.66%	0.94% 0.55% 0.69% 0.68%
QBANK 0.00%	0.00% 0.10% 0.06% 0.06%	0.16% 0.24% 0.13% 0.14%
Resimac 0.04%	0.00% 0.00% 0.00% 0.00%	0.00% 0.00% 0.00% 0.00%
Teachers Mutual Bank 0.38%	0.30% 0.90% 0.33% 0.73%	0.53% 0.32% 0.40% 0.12%
UniBank 0.49%	0.56% 0.67% 0.50% 1.13%	1.03% 0.42% 0.88% 0.28%
Virgin Money 2.26%	3.95% 1.75% 1.33% 1.05%	1.36% 1.63% 1.19% 0.89%
86 400 0.00%	0.00% 0.00% 0.00% 0.00%	0.19% 0.44% 0.39% 0.39%
Non-Major Total 36.40%	38.80% 40.18% 31.71% 27.18%	37.58% 34.93% 35.51% 31.84%

Abbreviations

AFGHL = AFG Home Loans; ING = ING Direct; BOM = Bank of Melbourne; Macquarie = Macquarie Bank; AMP = AMP Bank; Liberty = Liberty Financial; Pepper = Pepper Homeloans; Adelaide = Adelaide Bank; Heritage = Heritage Bank; HomeStart Finance = Homestart; La Trobe = La Trobe Financial; P&N = Police & Nurses Bank; Bank of QLD = Bank of Queensland

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Table 10

Lender product type

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Fiscal
Fiscal Basic Variable Equity Fixed Intro Standard Variable
Quarter
2013 1 10.8% 6.8% 14.6% 2.5% 65.3%
2013 2 10.9% 5.9% 15.6% 1.9% 65.7%
2013 3 9.9% 5.1% 18.3% 3.2% 63.6%
2013 4 9.6% 5.6% 21.8% 3.8% 59.3%
2014 1 10.1% 5.4% 20.4% 4.6% 59.5%
2014 2 9.5% 5.0% 20.4% 4.4% 60.7%
2014 3 9.0% 5.0% 18.0% 5.8% 62.3%
2014 4 8.1% 5.2% 17.5% 5.2% 63.9%
2015 1 7.9% 4.6% 17.6% 5.6% 64.3%
2015 2 6.8% 4.6% 16.8% 4.6% 67.1%
2015 3 7.2% 3.9% 14.4% 7.0% 67.5%
2015 4 6.6% 3.6% 14.5% 6.3% 69.1%
2016 1 10.1% 3.4% 11.4% 5.4% 69.8%
2016 2 9.1% 3.5% 14.3% 4.0% 69.1%
2016 3 9.7% 2.6% 17.7% 2.9% 67.1%
2016 4 8.3% 2.5% 18.7% 3.6% 67.0%
2017 1 8.5% 2.7% 16.2% 6.1% 66.4%
2017 2 10.8% 2.4% 16.7% 5.0% 65.1%
2017 3 9.7% 2.0% 18.3% 4.7% 65.4%
2017 4 8.9% 1.7% 24.0% 2.3% 63.1%
2018 1 8.3% 1.1% 26.4% 2.5% 61.6%
2018 2 9.3% 1.0% 21.8% 3.6% 64.3%
2018 3 10.1% 0.8% 19.6% 5.0% 64.5%
2018 4 10.6% 0.6% 15.6% 5.2% 67.9%
2019 1 11.4% 0.5% 18.9% 5.0% 64.2%
2019 2 10.5% 0.5% 23.1% 2.8% 63.1%
2019 3 9.5% 0.4% 22.4% 2.6% 65.1%
2019 4 9.1% 0.4% 22.2% 2.7% 65.7%
2020 1 10.2% 0.4% 14.6% 2.1% 72.7%
2020 2 12.3% 0.3% 14.1% 1.0% 72.2%
2020 3 14.4% 0.3% 14.5% 0.9% 69.9%
2020 4 9.0% 0.3% 31.3% 0.6% 58.8%
2021 1 9.5% 0.2% 29.2% 1.0% 60.2%
2021 2 8.1% 0.1% 29.3% 2.7% 59.8%
2021 3 6.4% 0.1% 34.1% 1.8% 57.5%
2021 4 5.6% 0.2% 38.0% 1.6% 54.5%
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12

Top lenders by state

Quarter 2 2021

Western Australia	Western Australia	Western Australia	South Australia	South Australia		Victoria	Victoria		New	South Wales	South Wales	Queensland	Queensland
01.	CBA	17.81%	01.	Bank SA	18.27%	01.	CBA	13.88%	01.	Macquarie	13.24%	01.	CBA	22.99%
02.	Bankwest	13.65%	02.	CBA	17.44%	02.	BOM	13.04%	02.	CBA	12.28%	02.	Macquarie	14.52%
03.	Westpac	11.66%	03.	Westpac	14.08%	03.	ANZ	12.69%	03.	NAB	11.59%	03.	St George Bank	8.05%
04.	ANZ	9.67%	04.	ANZ	11.78%	04.	Macquarie	11.07%	04.	St George Bank	10.42%	04.	ANZ	7.94%
05.	Macquarie	7.01%	05.	AFGHL	8.64%	05.	Westpac	10.56%	05.	ANZ	10.13%	05.	AFGHL	7.18%
06.	NAB	6.99%	06.	NAB	5.71%	06.	NAB	9.52%	06.	AFGHL	7.68%	06.	Suncorp	5.29%
07.	AFGHL	6.26%	07.	HomeStart	5.51%	07.	AFGHL	8.64%	07.	Bankwest	6.12%	07.	Westpac	5.25%
08.	St George Bank	5.33%	08.	Macquarie	3.09%	08.	Bankwest	2.59%	08.	Westpac	4.08%	08.	NAB	4.53%
09.	ING	3.25%	09.	ING	2.45%	09.	ING	2.47%	09.	ING	3.82%	09.	ING	2.84%
10.	Suncorp	2.79%	10.	Adelaide Bank	1.47%	10.	AMP	1.72%	10.	AMP	2.79%	10.	Bankwest	2.53%
11.	All Others	15.57%	11.	All Others	11.57%	11.	All Others	13.83%	11.	All Others	17.86%	11.	All Others	18.87%

Quarter 3 2021

Western Australia	Western Australia	Western Australia	South Australia	South Australia		Victoria	Victoria		New	South Wales	South Wales		Queensland	Queensland
01.	CBA	15.61%	01.	CBA	17.62%	01.	BOM	12.48%	01.	NAB	13.24%		01.	CBA	18.45%
02.	Bankwest	14.33%	02.	Bank SA	14.92%	02.	CBA	12.18%	02.	CBA	10.30%		02.	Macquarie	12.91%
03.	Westpac	11.93%	03.	AFGHL	13.60%	03.	Macquarie	10.79%	03.	Macquarie	10.07%		03.	AFGHL	11.08%
04.	ANZ	9.56%	04.	Westpac	11.47%	04.	NAB	10.71%	04.	St George Bank		9.70%	04.	ANZ	7.79%
05.	NAB	8.10%	05.	ANZ	9.26%	05.	ANZ	10.56%	05.	ANZ		9.06%	05.	St George Bank	7.18%
06.	St George Bank	6.60%	06.	NAB	5.58%	06.	AFGHL	9.97%	06.	Bankwest		8.64%	06.	NAB	5.85%
07.	AFGHL	6.54%	07.	ING	4.54%	07.	Westpac	9.53%	07.	AFGHL		7.53%	07.	Suncorp	5.23%
08.	Macquarie	5.35%	08.	HomeStart	3.58%	08.	Bankwest	3.48%	08.	Westpac		5.21%	08.	Westpac	5.12%
09.	Suncorp	3.34%	09.	Macquarie	3.48%	09.	ING	2.76%	09.	ING		3.48%	09.	ING	3.13%
10.	P&N Bank	2.48%	10.	Adelaide Bank	2.59%	10.	AMP	2.08%	10.	AMP		2.71%	10.	Bankwest	2.69%
11.	All Others	16.16%	11.	All Others	13.37%	11.	All Others	15.44%	11.	All Others	20.06%		11.	All Others	20.57%

Quarter 4 2021

Western Australia	Western Australia	Western Australia	South Australia	South Australia		Victoria	Victoria		New	South Wales	South Wales		Queensland	Queensland
01.	CBA	15.67%	01.	CBA	17.86%	01.	BOM	14.45%	01.	NAB	12.36%		01.	CBA	20.48%
02.	Westpac	13.72%	02.	Bank SA	16.62%	02.	Westpac	12.88%	02.	CBA	11.96%		02.	Macquarie	10.84%
03.	Bankwest	13.18%	03.	Westpac	14.70%	03.	CBA	12.24%	03.	St George Bank	10.88%		03.	AFGHL	10.44%
04.	NAB	8.61%	04.	AFGHL	12.27%	04.	NAB	10.77%	04.	Westpac		9.25%	04.	St George Bank	8.52%
05.	ANZ	7.18%	05.	ANZ	7.73%	05.	AFGHL	9.69%	05.	AFGHL		8.64%	05.	Westpac	7.34%
06.	St George Bank	7.11%	06.	NAB	5.27%	06.	Macquarie	9.18%	06.	Macquarie		8.52%	06.	ANZ	5.69%
07.	AFGHL	6.83%	07.	Macquarie	4.07%	07.	ANZ	8.19%	07.	Bankwest		7.44%	07.	Suncorp	5.61%
08.	Macquarie	5.15%	08.	AMP	2.93%	08.	Bankwest	3.26%	08.	ANZ		6.11%	08.	NAB	5.29%
09.	P&N Bank	3.33%	09.	ING	2.70%	09.	ING	2.35%	09.	ING		3.43%	09.	ING	2.75%
10.	Suncorp	3.27%	10.	HomeStart	2.32%	10.	AMP	2.00%	10.	Suncorp		3.17%	10.	Bankwest	2.44%
11.	All Others	15.94%	11.	All Others	13.53%	11.	All Others	15.00%	11.	All Others	18.25%		11.	All Others	20.59%

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Big 4 Banks & their Associated Brands vs Non Major by state

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Northern Territory Queensland
Major 71.36% Major 51.58%
Non Major 28.64% Non Major 48.42%
New South Wales
Western Australia
Quarter 2 2021 Major 54.75%
Major 65.12%
Non Major 45.25%
Non Major 34.88%
Victoria
Major 62.67%
South Australia
Non Major 37.33%
Major 68.60%
Non Major 31.40%
Northern Territory Queensland
Major 72.04% Major 47.47%
Non Major 27.96% Non Major 52.53%
New South Wales
Western Australia
Quarter 3 2021 Major 56.22%
Major 66.17%
Non Major 43.78%
Non Major 33.83%
Victoria
Major 59.25%
South Australia
Non Major 40.75%
Major 61.21%
Non Major 38.79%
Northern Territory Queensland
Major 79.71% Major 50.16%
Non Major 20.29% Non Major 49.84%
New South Wales
Western Australia
Quarter 4 2021 Major 58.17%
Major 65.50%
Non Major 41.83%
Non Major 34.50%
Victoria
Major 62.13%
South Australia
Non Major 37.87%
Major 64.49%
Non Major 35.51%
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Lender Turnaround Times* by quarter

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30
27.1
25.2
25.0
25
23.9
22.7
22.5
21.2 21.0
20.4 20.6
20.1
19.7 19.8
20 19.5
18.8
18.1
15
FY18 FY18 FY18 FY18 FY19 FY19 FY19 FY19 FY20 FY20 FY20 FY20 FY21 FY21 FY21 FY21
Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 Q4
Unconditional TAT
Days
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• average number of days from submission of the loan application by the broker to the lender providing formal approval

For media enquiries, please contact

Alison Clarke

Head of Corporate Communications

P (08) 9420 7014 | P 0402 781 367 afgonline.com.au

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