AUSTRALIAN FINANCE GROUP LTD — Interim / Quarterly Report 2021

Apr 14, 2021

15 April 2021

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

Dear Sir/Madam

AFG MORTGAGE INDEX – Q3 2021

Please see attached statement regarding AFG’s Mortgage Index for the third 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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April 2021

Housing leads the way

Australia’s housing market continues to lead the country’s economic recovery with Australian Finance Group (ASX:AFG) brokers lodging a record $20.6 billion in home loan applications for the third quarter of FY21. This represents a 3.79% lift on the prior quarter and a significant 34.32% increase on the same period last year.

AFG CEO David Bailey explained the results: “Record low interest rates, effective government stimulus packages and an improving consumer outlook have contributed to increased activity.

Looking around the country, New South Wales lodgements are up 9.37% on last quarter and 40% on Q3 FY20. Victoria is up 6.60% on last quarter and 24.86% on Q3 FY20. “Historically, Q3 usually records slower growth than Q2 so the solid results in NSW and Victoria are even more impressive.

In South Australia, lodgements are up 1.51% on last quarter and up 33.88% on the same period in 2020. In Western Australia, lodgements are down 7.61% on the previous quarter, which was its strongest period since 2015. Lodgements in WA are up 45% on Q3 FY20. The Northern Territory is up 5.79% on last quarter and down 13.26% on the same period last year. Queensland is down 2.66% on a very strong prior quarter and up 37.38% on Q3 2020.

“Rising house prices have contributed to a fall in Loan to Value Ratios (LVR), the national average LVR is down from 73.3% to 71.9%. The national average mortgage size has increased by 5.9% to $574,948 however rising house prices are outpacing loan sizes and maintaining safety buffers, as reflected in the reducing LVRs.

“Highly competitive fixed rates, largely driven by the Big 4 banks’ access to cheap government funding has seen borrowers locking in their mortgages, with the percentage rising from 29.3% to 34% for the quarter.

First Home Buyer (FHB) activity has slowed, down from 22% to 18%, but this figure is still historically high. “The state and federal government FHB incentive schemes have done their job and likely pulled forward some demand,” said Mr Bailey. Refinancers are steady at 22% and the percentage of Upgraders has lifted from 42% to 43%.

“With interest rates at record lows and yields slowly improving in some markets, Investors are edging back into the market, with an increase from 21% last quarter to 23%. The longer-term average for Investors’ share of the market is around 35%.

“Interest Only lodgements are up from 12% to 14%, however these are still historically low as borrowers take the opportunity to pay down the principal during this period of record low interest rates.

The Big 4 Banks and their stable of brands captured 57.1% of the market, which is down from a high of 66.8% in the final quarter of FY20 which coincided with the peak of nationwide lockdowns. NAB was the only one of the Big 4 and their brands to record an increase in market share while the others all lost ground. Notable movements amongst the non-majors were AFG Home Loans up from 7.76% to 9.10% and Macquarie down from 11.45% to 9.93%.

“With such a competitive lending market and increased market activity, lender turnaround times continue to rise, up from 25.2 days last quarter to 27.1 days. This is the highest it has been at any point over the last three years.

“As our country recovers from the disruption of the pandemic, a resilient housing market built on sound lending standards will help keep Australia’s recovery ahead of many of the world’s economies,” 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 $9,799,859,821 $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 $14,491,933,529 $477,336 34% 7% 39% 33% 47% 53%
2017 1 31,572 $15,124,176,912 $479,038 32% 8% 38% 34% 46% 54%
2017 2 30,741 $14,977,058,027 $487,201 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 $14,947,866,967 $490,560 29% 13% 25% 41% 19% 81%
2018 2 29,674 $14,813,554,159 $499,210 28% 13% 22% 44% 19% 81%
2018 3 27,723 $13,794,037,704 $497,567 28% 13% 23% 43% 20% 80%
2018 4 28,865 $14,542,901,945 $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 $12,968,359,090 $508,065 27% 13% 24% 43% 18% 81%
2019 3 23,035 $11,613,654,327 $504,174 26% 14% 25% 43% 19% 81%
2019 4 25,243 $12,977,085,620 $514,087 28% 14% 28% 39% 20% 80%
2020 1 29,140 $15,699,513,473 $538,762 26% 15% 28% 40% 18% 82%
2020 2 28,602 $15,368,708,503 $537,330 26% 15% 27% 41% 18% 82%
2020 3 28,336 $15,343,647,580 $541,490 25% 15% 30% 39% 17% 83%
2020 4 31,070 $16,853,842,563 $542,447 25% 15% 32% 38% 16% 84%
2021 1 35,442 $18,189,881,747 $513,230 21% 23% 23% 40% 14% 86%
2021 2 36,556 $19,856,675,883 $543,185 21% 22% 22% 42% 12% 88%
2021 3 35,846 $20,609,592,051 $574,948 23% 18% 22% 43% 14% 86%
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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% 74.5% 25.5% 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% 56.3% 43.7% 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 58.8% 41.2% 54.6% 45.4% 65.0% 35.0% 58.0% 42.0% 57.5% 42.5% 54.6% 45.4% 59.4% 40.6%
2021 3 57.1% 42.9% 51.6% 48.4% 62.0% 38.0% 58.2% 41.8% 56.9% 43.1% 51.9% 48.1% 58.0% 42.0%
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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 $9,799,859,821 $2,888,883,235 $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 $139,265,354 $1,936,355,722 $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 $139,700,948 $1,976,082,536 $619,877,859 $2,704,035,935 $2,482,943,132
2015 1 $12,204,183,662 $3,982,906,595 $141,740,298 $2,069,700,927 $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 $97,136,541 $2,282,986,430 $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 $96,919,032 $2,148,650,538 $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 $14,491,933,529 $5,290,107,179 $97,762,354 $2,429,809,118 $791,840,063 $3,878,131,520 $2,004,283,296
2017 1 $15,124,176,912 $5,470,285,452 $84,174,287 $2,605,733,715 $800,951,939 $4,229,823,532 $1,933,207,986
2017 2 $14,977,058,027 $5,423,663,273 $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 $14,947,866,967 $5,249,369,845 $71,240,391 $2,387,530,936 $760,134,506 $4,919,302,623 $1,560,288,667
2018 2 $14,813,554,159 $5,135,582,112 $76,497,858 $2,379,070,453 $757,818,346 $4,898,365,624 $1,566,219,765
2018 3 $13,794,037,704 $4,768,022,797 $83,500,004 $2,169,351,235 $695,742,174 $4,562,692,102 $1,514,729,392
2018 4 $14,542,901,945 $4,945,079,005 $44,071,649 $2,363,033,856 $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 $12,968,359,090 $4,233,005,993 $58,969,782 $2,172,349,456 $701,327,836 $4,290,552,719 $1,512,153,304
2019 3 $11,613,654,327 $3,826,801,443 $56,350,344 $1,939,666,136 $652,995,108 $3,815,804,776 $1,322,036,519
2019 4 $12,977,085,620 $4,374,916,934 $51,732,776 $2,043,286,038 $729,805,145 $4,417,355,877 $1,359,988,850
2020 1 $15,699,513,473 $5,557,109,383 $49,180,869 $2,553,060,036 $784,610,843 $5,158,250,291 $1,597,302,050
2020 2 $15,368,708,503 $5,286,206,957 $66,968,715 $2,524,588,299 $817,886,849 $5,095,685,809 $1,577,371,875
2020 3 $15,343,647,580 $5,020,880,447 $53,037,994 $2,549,281,816 $779,065,767 $5,371,549,553 $1,569,832,003
2020 4 $16,853,842,563 $5,922,201,031 $69,847,802 $2,735,488,316 $883,772,449 $5,426,547,152 $1,815,985,812
2021 1 $18,189,881,747 $6,227,548,249 $48,410,389 $3,343,458,173 $1,029,952,995 $5,358,653,169 $2,181,858,772
2021 2 $19,856,675,883 $6,433,496,775 $43,489,534 $3,597,862,482 $1,027,513,750 $6,291,687,272 $2,462,626,070
2021 3 $20,609,592,051 $7,036,243,536 $46,007,175 $3,502,083,498 $1,042,999,860 $6,707,013,047 $2,275,244,934
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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 $482,929 $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 $377,413 $356,603 $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 $407,291 $365,332 $330,073 $411,949 $425,964
2015 1 $433,819 $523,722 $383,082 $363,233 $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 $424,177 $380,054 $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 $417,754 $393,814 $371,660 $463,918 $443,029
2016 3 $472,943 $588,814 $384,934 $394,359 $372,353 $446,408 $453,218
2016 4 $477,336 $591,536 $407,343 $398,722 $378,509 $455,287 $448,085
2017 1 $479,038 $596,802 $408,613 $400,328 $378,701 $458,567 $444,211
2017 2 $487,201 $602,362 $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 $490,560 $596,994 $397,991 $411,856 $388,617 $481,765 $441,383
2018 2 $499,210 $611,597 $460,830 $416,577 $389,024 $494,984 $440,444
2018 3 $497,567 $602,784 $444,149 $417,987 $397,794 $493,211 $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 $508,065 $618,047 $409,512 $448,925 $395,337 $504,178 $443,577
2019 3 $504,174 $619,725 $405,398 $440,733 $407,867 $498,407 $431,615
2019 4 $514,087 $626,151 $413,862 $444,193 $402,318 $511,623 $441,125
2020 1 $538,762 $665,761 $413,285 $459,680 $414,480 $529,649 $457,942
2020 2 $537,330 $657,080 $426,552 $458,266 $432,059 $539,397 $444,205
2020 3 $541,490 $662,385 $438,331 $461,158 $425,952 $545,003 $458,747
2020 4 $542,447 $678,374 $396,863 $462,623 $420,044 $539,257 $444,659
2021 1 $513,230 $663,776 $375,274 $440,508 $397,358 $509,620 $416,863
2021 2 $543,185 $695,213 $443,771 $465,080 $418,369 $544,028 $452,107
2021 3 $574,948 $728,691 $425,992 $492,835 $441,201 $570,179 $469,219
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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% 64.4% 69.4% 71.4% 72.8% 70.1%
2015 1 70.0% 68.7% 67.9% 69.0% 70.9% 72.5% 71.2%
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% 67.5% 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% 72.4%
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% 71.1%
2018 4 68.0% 63.6% 65.9% 69.1% 69.6% 68.6% 71.1%
2019 1 67.8% 65.0% 62.0% 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% 71.9%
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% 72.8%
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% 73.2% 72.1% 75.3%
2021 2 73.3% 69.3% 77.1% 73.2% 71.7% 72.6% 76.1%
2021 3 71.9% 68.4% 74.4% 71.8% 71.3% 71.5% 74.2%
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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 3 4 1 2 3 4 1 2 3
8.89% 8.65% 11.30% 9.57% 9.94% 25.55% 9.72% 10.61% 9.39%
14.45% 16.52% 16.24% 14.85% 14.71% 18.66% 18.82% 15.71% 13.28%
8.09% 7.44% 6.22% 5.47% 5.76% 4.63% 6.62% 5.03% 6.22%
5.06% 6.15% 7.90% 8.54% 9.02% 7.59% 7.53% 8.77% 10.17%
13.68% 10.83% 6.39% 7.23% 10.19% 5.76% 7.39% 7.83% 7.69%
2.81% 2.77% 1.83% 2.55% 4.15% 1.63% 3.11% 4.23% 4.16%
0.92% 0.77% 0.55% 0.80% 0.78% 0.34% 0.77% 0.98% 0.78%
5.63% 4.47% 3.56% 4.11% 5.00% 2.62% 4.97% 5.60% 5.40%
Major Total 59.54% 57.62% 53.99% 53.12% 59.55% 66.78% 58.94% 58.76% 57.10%
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Table 7

Non Major Lender market share all mortgages

	2019	2020	2021
Fiscal	3 4	1 2 3 4	1 2 3
86 400	0.00% 0.00%	0.00% 0.00% 0.00% 0.00%	0.16% 0.51% 0.55%
ASCF	0.00% 0.00%	0.00% 0.00% 0.00% 0.00%	0.00% 0.00% 0.00%
AFG Commercial Powered by Thinktank	0.00% 0.00%	0.01% 0.00% 0.01% 0.01%	0.01% 0.00% 0.01%
AFGHL	11.89% 9.44%	8.96% 10.02% 9.73% 6.40%	8.47% 7.76% 9.10%
AMP	2.96% 2.22%	3.45% 2.49% 2.25% 1.68%	1.85% 2.07% 2.20%
Adelaide Bank	0.03% 0.02%	0.06% 0.07% 0.07% 0.15%	0.08% 0.08% 0.14%
Auswide Bank	0.28% 0.22%	0.35% 0.25% 0.37% 0.42%	0.75% 0.33% 0.46%
Bank Australia	0.60% 0.66%	0.89% 0.57% 0.84% 1.01%	1.13% 0.99% 0.98%
Bank of China	0.07% 0.30%	0.24% 0.32% 0.28% 0.77%	0.58% 0.25% 0.46%
Bank of QLD	0.77% 1.01%	1.09% 0.69% 0.76% 0.83%	0.70% 1.09% 0.95%
Bank of Sydney	0.29% 0.38%	0.36% 0.55% 0.13% 0.01%	0.05% 0.01% 0.05%
Better Mortgage Management	0.00% 0.00%	0.00% 0.00% 0.00% 0.00%	0.00% 0.01% 0.07%
Beyond Bank	0.19% 0.19%	0.15% 0.25% 0.45% 0.41%	0.51% 0.15% 0.19%
Bluestone	0.58% 0.58%	0.48% 0.69% 0.66% 0.07%	0.20% 0.30% 0.60%
Citibank	0.98% 1.04%	0.49% 1.90% 0.37% 0.32%	0.66% 0.86% 0.93%
CUA	0.15% 0.22%	0.43% 0.35% 0.48% 0.43%	0.88% 0.55% 0.89%
Firefghters Mutual Bank	0.00% 0.01%	0.00% 0.01% 0.01% 0.05%	0.04% 0.01% 0.03%
Granite Home Loans	0.00% 0.00%	0.00% 0.00% 0.00% 0.02%	0.04% 0.11% 0.13%
Health Professionals Bank	0.02% 0.02%	0.03% 0.04% 0.03% 0.17%	0.12% 0.08% 0.13%
Heartland Reverse Mortgages	0.00% 0.00%	0.00% 0.00% 0.00% 0.00%	0.00% 0.00% 0.00%
Heritage Bank	0.93% 0.53%	0.41% 0.82% 0.58% 0.58%	0.65% 0.46% 0.51%
HomeStart	0.20% 0.28%	0.21% 0.20% 0.19% 0.16%	0.28% 0.28% 0.18%
Hume Bank	0.00% 0.00%	0.00% 0.00% 0.00% 0.00%	0.01% 0.03% 0.03%
ING	1.88% 2.82%	4.20% 3.45% 2.49% 3.20%	2.74% 3.07% 3.10%
Keystart	0.15% 0.16%	0.16% 0.17% 0.19% 0.16%	0.25% 0.32% 0.21%
La Trobe	1.31% 1.48%	1.31% 1.57% 1.41% 0.86%	0.81% 0.97% 1.05%
Liberty	1.35% 1.50%	1.39% 1.35% 1.21% 1.09%	1.03% 0.97% 1.06%
Macquarie	4.92% 7.45%	12.20% 11.34% 8.78% 6.72%	10.12% 11.45% 9.93%
ME	2.00% 2.13%	1.95% 2.43% 1.57% 1.57%	1.61% 1.29% 1.24%
MKM Capital Pty Ltd	0.04% 0.02%	0.02% 0.02% 0.02% 0.03%	0.01% 0.01% 0.00%
MyState	0.65% 0.50%	0.36% 0.40% 0.83% 0.36%	0.39% 0.33% 0.52%
Newcastle Permanent	0.26% 0.28%	0.28% 0.40% 0.34% 0.48%	0.56% 0.43% 0.41%
P&N Bank	0.25% 0.17%	0.17% 0.13% 0.25% 0.23%	0.26% 0.22% 0.27%
Pepper Money	1.88% 1.53%	1.44% 1.59% 1.17% 0.21%	0.84% 1.08% 1.34%
QBANK	0.00% 0.01%	0.01% 0.04% 0.08% 0.04%	0.11% 0.14% 0.09%
Resimac	1.87% 1.95%	1.87% 1.76% 1.76% 1.45%	1.27% 1.28% 1.09%
Suncorp	3.03% 4.16%	1.96% 2.08% 2.41% 1.96%	2.51% 2.53% 2.63%
Teachers Mutual Bank	0.13% 0.10%	0.07% 0.14% 0.06% 0.25%	0.18% 0.11% 0.16%
UniBank	0.05% 0.12%	0.10% 0.11% 0.09% 0.38%	0.33% 0.14% 0.33%
Virgin Money	0.74% 0.89%	0.92% 0.69% 0.58% 0.75%	0.89% 0.97% 0.87%
Non-Major Total	40.46% 42.38%	46.01% 46.88% 40.45% 33.22%	41.06% 41.24% 42.90%

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 3 4 1 2 3 4 1 2 3
9.58% 7.84% 10.91% 9.73% 14.48% 33.43% 10.77% 12.13% 10.26%
13.76% 13.52% 12.51% 13.68% 15.59% 17.94% 18.57% 16.49% 13.36%
4.78% 6.16% 3.97% 2.79% 2.47% 2.48% 4.80% 3.36% 4.39%
7.22% 9.51% 13.65% 14.91% 13.43% 9.06% 11.18% 13.98% 15.26%
29.20% 20.92% 11.26% 10.28% 14.00% 6.30% 8.67% 6.71% 8.67%
4.35% 3.49% 2.95% 2.89% 2.71% 1.29% 2.63% 4.57% 4.87%
0.85% 0.56% 0.75% 0.88% 0.54% 0.16% 0.60% 0.88% 0.74%
10.63% 6.35% 5.19% 4.66% 5.08% 2.15% 5.17% 6.81% 6.81%
Major Total 80.37% 68.35% 61.19% 59.82% 68.31% 72.81% 62.39% 64.94% 64.36%
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10

Table 9

Non Major Lender market share fixed rate mortgages

2019	2020	2021
Fiscal 3 4	1 2 3 4	1 2 3
86 400 0.00% 0.00%	0.00% 0.00% 0.00% 0.00%	0.19% 0.44% 0.39%
AFGHL 2.64% 5.19%	10.44% 8.57% 6.45% 4.45%	6.38% 4.15% 4.69%
AMP 1.36% 1.90%	2.69% 1.50% 1.27% 1.05%	1.74% 2.00% 2.65%
Adelaide Bank 0.03% 0.04%	0.12% 0.18% 0.18% 0.34%	0.20% 0.19% 0.25%
Auswide Bank 0.39% 0.30%	0.55% 0.18% 0.32% 0.70%	1.45% 0.72% 0.86%
Bank Australia 0.49% 0.61%	2.46% 2.13% 2.25% 2.06%	2.61% 2.28% 2.25%
Bank of China 0.03% 0.30%	0.10% 0.00% 0.02% 0.26%	0.30% 0.08% 0.34%
Bank of QLD 1.21% 1.20%	2.44% 0.75% 0.73% 0.36%	0.50% 0.94% 0.70%
Bank of Sydney 0.00% 0.09%	0.00% 0.00% 0.00% 0.00%	0.00% 0.00% 0.01%
Beyond Bank 0.00% 0.08%	0.19% 0.46% 0.54% 0.44%	0.56% 0.11% 0.24%
Bluestone 0.13% 0.12%	0.35% 0.28% 0.23% 0.00%	0.02% 0.03% 0.12%
Citibank 0.25% 0.13%	0.04% 3.59% 0.53% 0.22%	0.91% 1.27% 1.34%
CUA 0.07% 0.24%	0.96% 0.33% 0.35% 0.27%	0.76% 0.75% 1.27%
Firefghters Mutual Bank 0.00% 0.03%	0.00% 0.07% 0.03% 0.15%	0.13% 0.01% 0.10%
Health Professionals Bank 0.09% 0.07%	0.15% 0.27% 0.17% 0.48%	0.35% 0.22% 0.33%
Heritage Bank 0.95% 0.58%	0.73% 1.54% 1.03% 0.45%	0.76% 0.54% 0.60%
HomeStart 0.00% 0.03%	0.01% 0.02% 0.06% 0.03%	0.17% 0.09% 0.06%
Hume Bank 0.00% 0.00%	0.00% 0.00% 0.00% 0.00%	0.02% 0.00% 0.02%
ING 1.90% 2.46%	0.94% 2.56% 4.29% 5.43%	3.42% 3.57% 3.30%
La Trobe 0.00% 0.03%	0.00% 0.00% 0.00% 0.00%	0.00% 0.00% 0.00%
Liberty 0.70% 0.55%	0.11% 0.04% 0.02% 0.00%	0.02% 0.01% 0.01%
Macquarie 1.68% 3.34%	4.15% 7.01% 4.94% 3.74%	7.94% 9.37% 7.46%
ME 1.89% 2.66%	2.22% 4.01% 2.20% 1.10%	1.45% 1.17% 1.21%
MyState 0.51% 0.46%	0.15% 0.04% 0.56% 0.34%	0.39% 0.35% 0.59%
Newcastle Permanent 0.42% 0.13%	0.28% 0.74% 0.80% 0.66%	0.94% 0.56% 0.69%
P&N Bank 0.21% 0.35%	0.72% 0.15% 0.27% 0.17%	0.22% 0.35% 0.44%
Suncorp 3.09% 8.69%	4.22% 2.35% 2.23% 1.51%	3.11% 3.23% 3.05%
QBANK 0.00% 0.02%	0.00% 0.10% 0.05% 0.06%	0.16% 0.24% 0.14%
Resimac 0.00% 0.11%	0.00% 0.00% 0.00% 0.00%	0.00% 0.00% 0.00%
Teachers Mutual Bank 0.35% 0.31%	0.30% 0.90% 0.33% 0.73%	0.53% 0.32% 0.41%
UniBank 0.10% 0.50%	0.56% 0.67% 0.50% 1.13%	1.03% 0.42% 0.89%
Virgin Money 1.12% 1.13%	3.95% 1.75% 1.33% 1.05%	1.36% 1.64% 1.21%
Non-Major Total 19.63% 31.65%	38.81% 40.18% 31.69% 27.19%	37.61% 35.06% 35.64%

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% 17.7% 5.6% 64.2%
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% 5.3% 69.7%
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 8.6% 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% 19.5% 5.0% 64.5%
2018 4 10.6% 0.6% 15.6% 5.2% 67.9%
2019 1 11.4% 0.5% 19.0% 5.0% 64.2%
2019 2 10.5% 0.5% 23.0% 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% 65.6%
2020 1 10.2% 0.4% 14.6% 2.0% 72.7%
2020 2 12.3% 0.3% 14.2% 1.0% 72.2%
2020 3 14.5% 0.3% 14.5% 0.9% 69.8%
2020 4 9.0% 0.3% 31.3% 0.6% 58.7%
2021 1 9.5% 0.2% 29.3% 1.0% 60.1%
2021 2 8.2% 0.1% 29.3% 2.7% 59.7%
2021 3 6.5% 0.1% 34.0% 1.8% 57.5%
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12

Top lenders by state

Quarter 1 2021

Western Australia	Western Australia	Western Australia	South Australia	South Australia		Victoria	Victoria		New	South Wales	South Wales		Queensland	Queensland
01.	CBA	21.94%	01.	CBA	20.58%	01.	CBA	17.62%	01.	CBA	15.31%		01.	CBA	24.25%
02.	Bankwest	17.43%	02.	Westpac	14.74%	02.	ANZ	11.85%	02.	Macquarie	12.45%		02.	Macquarie	11.25%
03.	Westpac	11.36%	03.	Bank SA	13.29%	03.	Macquarie	10.73%	03.	St George Bank		9.37%	03.	AFGHL	9.33%
04.	ANZ	9.66%	04.	AFGHL	11.71%	04.	BOM	10.41%	04.	NAB		9.32%	04.	ANZ	7.96%
05.	AFGHL	6.54%	05.	ANZ	9.33%	05.	Westpac	9.56%	05.	ANZ		8.91%	05.	St George Bank	6.62%
06.	NAB	5.73%	06.	HomeStart	4.97%	06.	NAB	9.09%	06.	AFGHL		7.84%	06.	Suncorp	5.85%
07.	St George Bank	3.91%	07.	NAB	4.26%	07.	AFGHL	8.83%	07.	Bankwest		7.50%	07.	Westpac	5.09%
08.	Macquarie	3.89%	08.	Macquarie	2.85%	08.	Bankwest	3.37%	08.	Westpac		4.21%	08.	Bankwest	4.45%
09.	Suncorp	2.68%	09.	ING	2.68%	09.	ING	2.36%	09.	ING		3.46%	09.	NAB	3.87%
10.	P&N Bank	2.17%	10.	Bankwest	2.54%	10.	ME	1.83%	10.	AMP		2.54%	10.	ING	2.62%
11.	All Others	14.68%	11.	All Others	13.04%	11.	All Others	14.34%	11.	All Others	19.09%		11.	All Others	18.70%

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	18.31%	01.	CBA	13.85%	01.	Macquarie	13.22%	01.	CBA	22.98%
02.	Bankwest	13.63%	02.	CBA	17.44%	02.	BOM	13.05%	02.	CBA	12.35%	02.	Macquarie	14.52%
03.	Westpac	11.63%	03.	Westpac	14.06%	03.	ANZ	12.70%	03.	NAB	11.57%	03.	St George Bank	8.02%
04.	ANZ	9.80%	04.	ANZ	11.77%	04.	Macquarie	11.06%	04.	St George Bank	10.41%	04.	ANZ	7.95%
05.	Macquarie	7.00%	05.	AFGHL	8.63%	05.	Westpac	10.63%	05.	ANZ	10.15%	05.	AFGHL	7.19%
06.	NAB	6.98%	06.	NAB	5.71%	06.	NAB	9.52%	06.	AFGHL	7.67%	06.	Suncorp	5.30%
07.	AFGHL	6.25%	07.	HomeStart	5.51%	07.	AFGHL	8.62%	07.	Bankwest	6.11%	07.	Westpac	5.25%
08.	St George Bank	5.33%	08.	Macquarie	3.09%	08.	Bankwest	2.58%	08.	Westpac	4.11%	08.	NAB	4.53%
09.	ING	3.25%	09.	ING	2.45%	09.	ING	2.46%	09.	ING	3.81%	09.	ING	2.84%
10.	Suncorp	2.77%	10.	Adelaide Bank	1.47%	10.	AMP	1.72%	10.	AMP	2.77%	10.	Bankwest	2.53%
11.	All Others	15.56%	11.	All Others	11.55%	11.	All Others	13.81%	11.	All Others	17.83%	11.	All Others	18.90%

Quarter 3 2021

Western Australia	Western Australia	Western Australia	South Australia	South Australia		Victoria	Victoria		New	South Wales	South Wales		Queensland	Queensland
01.	CBA	15.62%	01.	CBA	17.77%	01.	BOM	12.49%	01.	NAB	13.21%		01.	CBA	18.42%
02.	Bankwest	14.31%	02.	Bank SA	15.05%	02.	CBA	12.21%	02.	CBA	10.30%		02.	Macquarie	12.92%
03.	Westpac	11.98%	03.	AFGHL	13.68%	03.	Macquarie	10.80%	03.	Macquarie	10.09%		03.	AFGHL	11.10%
04.	ANZ	9.54%	04.	Westpac	11.48%	04.	NAB	10.68%	04.	St George Bank		9.74%	04.	ANZ	7.76%
05.	NAB	8.10%	05.	ANZ	9.34%	05.	ANZ	10.54%	05.	ANZ		9.03%	05.	St George Bank	7.28%
06.	St George Bank	6.61%	06.	NAB	5.06%	06.	AFGHL	9.95%	06.	Bankwest		8.60%	06.	NAB	5.84%
07.	AFGHL	6.49%	07.	ING	4.57%	07.	Westpac	9.58%	07.	AFGHL		7.50%	07.	Suncorp	5.18%
08.	Macquarie	5.41%	08.	HomeStart	3.60%	08.	Bankwest	3.48%	08.	Westpac		5.24%	08.	Westpac	5.13%
09.	Suncorp	3.33%	09.	Macquarie	3.47%	09.	ING	2.76%	09.	ING		3.46%	09.	ING	3.13%
10.	P&N Bank	2.47%	10.	Adelaide Bank	2.60%	10.	AMP	2.07%	10.	Suncorp		2.71%	10.	Bankwest	2.68%
11.	All Others	16.13%	11.	All Others	13.38%	11.	All Others	15.44%	11.	All Others	20.10%		11.	All Others	20.56%

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

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Northern Territory Queensland
Major 71.41% Major 52.46%
Non Major 28.59% Non Major 47.54%
New South Wales
Western Australia
Quarter 1 2021 Major 54.64%
Major 70.03%
Non Major 45.36%
Non Major 29.97%
Victoria
Major 62.18%
South Australia
Non Major 37.82%
Major 64.94%
Non Major 35.06%
Northern Territory Queensland
Major 71.36% Major 51.56%
Non Major 28.64% Non Major 48.44%
New South Wales
Western Australia
Quarter 2 2021 Major 54.84%
Major 65.17%
Non Major 45.16%
Non Major 34.83%
Victoria
Major 62.69%
South Australia
Non Major 37.31%
Major 68.63%
Non Major 31.37%
Northern Territory Queensland
Major 72.19% Major 47.49%
Non Major 27.81% Non Major 52.51%
New South Wales
Western Australia
Quarter 3 2021 Major 56.21%
Major 66.20%
Non Major 43.79%
Non Major 33.80%
Victoria
Major 59.28%
South Australia
Non Major 40.72%
Major 61.05%
Non Major 38.95%
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Lender Turnaround Times* by quarter

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30
27.1
25.2
23.9
25
22.7
22.5
21.0
21.2
20.4 20.1
19.8
19.7
19.6
20
18.8
16.3
15
FY18 Q2 FY18 Q3 FY18 Q4 FY19 Q1 FY19 Q2 FY19 Q3 FY19 Q4 FY20 Q1 FY20 Q2 FY20 Q3 FY20 Q4 FY21 Q1 FY21 Q2 FY21 Q3
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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