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KINGFISHER TRUST 2016-1 — Financial Supplement Data 2017
Mar 22, 2017
65182_rns_2017-03-22_976abf81-7529-45f3-a3ee-def75b1052fa.pdf
Financial Supplement Data
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ANZ Capel Court Limited ABN 30 004 768 807 Level 10, 100 Queen Street Melbourne VIC 3000
Kingfisher Trust 2016-1 Investor Report
| Reporting Dates | Reporting Dates | |||||
|---|---|---|---|---|---|---|
| Determination Date: Payment Date: Next Payment Date: Issue Date: Record Date: Current Collection Period: Collection Period Start Date: Collection Period End Date: No. of days in the Collection Period: Current Interest Period: Interest Period Start Date (inclusive): Interest Period End Date (exclusive): No. of days in the Interest Period: |
21 Mar 2017 24 Mar 2017 24 Apr 2017 01 Dec 2016 21 Mar 2017 01 Feb 2017 28 Feb 2017 28 24 Feb 2017 24 Mar 2017 28 |
|||||
| *Business Days for banks in Melbourne and Sydney, Australia | ||||||
| Transaction Party List | ||||||
| Trustee: Security Trustee: Servicer: Manager: Liquidity Facility Provider: Bank Account Provider: SwapFacilityProvider: |
Perpetual Corporate Trust Limited P.T. Limited Australia & New Zealand Banking Group Limited ANZ Capel Court Limited Australia & New Zealand Banking Group Limited Australia & New Zealand Banking Group Limited Australia & New Zealand BankingGroupLimited |
|||||
| Note Overview | ||||||
| Bloomberg Ticker: Intex: ISIN: Rating Agency: Rating: |
||||||
| Redraw Notes Class A1 Class A2 Class B Class C Class D Class E Class F |
N/A | N/A | N/A | N/A | N/A | |
| KINGF GO | KFT16001 | AU3FN0033510 AU3FN0033528 AU3FN0033536 AU3FN0033544 AU3FN0033551 AU3FN0033569 AU3FN0033577 |
Moody's / Fitch Moody's / Fitch Moody's Moody's Moody's Moody's Not rated |
Aaa(sf)/AAAsf Aaa(sf)/AAAsf Aa2(sf) A2(sf) Baa2(sf) Ba2(sf) Not rated |
||
| Interest Summary - Current Interest Period | ||||||
| Opening Invested Amount |
1M BBSW Rate Margin Interest Rate Interest per Certificate Interest Amount |
|||||
| Redraw Notes Class A1 Class A2 Class B Class C Class D Class E Class F |
N/A 1,667,577,747.64 $ 70,000,000.00 $ 48,000,000.00 $ 14,000,000.00 $ 12,000,000.00 $ 8,000,000.00 $ 8,000,000.00 $ |
N/A 1.6200% 1.6200% 1.6200% 1.6200% 1.6200% 1.6200% 1.6200% |
N/A 1.0700% 1.6000% 2.2500% 2.7500% 3.7500% 4.7500% 6.0000% |
N/A 2.6900% 3.2200% 3.8700% 4.3700% 5.3700% 6.3700% 7.6200% |
N/A 18.70 $ 24.70 $ 29.69 $ 33.52 $ 41.19 $ 48.87 $ 58.45 $ |
N/A 3,441,149.48 $ 172,909.59 $ 142,500.82 $ 46,932.60 $ 49,433.42 $ 39,092.60 $ 46,763.84 $ |
| Total | 1,827,577,747.64 $ |
3,938,782.35 $ |
||||
| Principal Summary | ||||||
| Opening Invested Amount |
Opening Note Factor Principal per Certificate Total Principal Amount Closing Invested Amount Closing Note Factor |
|||||
| Redraw Notes Class A1 Class A2 Class B Class C Class D Class E Class F |
N/A 1,667,577,747.64 $ 70,000,000.00 $ 48,000,000.00 $ 14,000,000.00 $ 12,000,000.00 $ 8,000,000.00 $ 8,000,000.00 $ |
N/A 0.90629225 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 |
N/A 250.71 $ - $ - $ - $ - $ - $ - $ |
N/A 46,130,666.54 $ - $ - $ - $ - $ - $ - $ |
N/A 1,621,447,081.10 $ 70,000,000.00 $ 48,000,000.00 $ 14,000,000.00 $ 12,000,000.00 $ 8,000,000.00 $ 8,000,000.00 $ |
N/A 0.88122124 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 1.00000000 |
| Total | 1,827,577,747.64 $ |
46,130,666.54 $ |
1,781,447,081.10 $ |
|||
| Note Charge off Summary | ||||||
| Opening Invested Amount |
Opening Carryover Charge offs Opening Stated Amount Principal Charge offs Current Collection Period Reimbursement of Carryover Charge offs Closing Stated Amount |
|||||
| Redraw Notes Class A1 Class A2 Class B Class C Class D Class E Class F |
N/A 1,667,577,747.64 $ 70,000,000.00 $ 48,000,000.00 $ 14,000,000.00 $ 12,000,000.00 $ 8,000,000.00 $ 8,000,000.00 $ |
N/A - $ - $ - $ - $ - $ - $ - $ |
N/A 1,667,577,747.64 $ 70,000,000.00 $ 48,000,000.00 $ 14,000,000.00 $ 12,000,000.00 $ 8,000,000.00 $ 8,000,000.00 $ |
N/A - $ - $ - $ - $ - $ - $ - $ |
N/A - $ - $ - $ - $ - $ - $ - $ |
N/A 1,621,447,081.10 $ 70,000,000.00 $ 48,000,000.00 $ 14,000,000.00 $ 12,000,000.00 $ 8,000,000.00 $ 8,000,000.00 $ |
| Total | 1,827,577,747.64 $ |
- $ |
1,827,577,747.64 $ |
- $ |
- $ |
1,781,447,081.10 $ |
Page 1 of 12
| Pre Even | t of Default Cashflow Waterfall Report |
|---|---|
| Calculati | on of Total Available Income |
| (i) (ii) (iii) (iv) (v) |
Finance Charge Collections 6,145,844.95 $ Interest received on Trust Account 31.21 $ Income on Authorised Investments - $ Net Swapreceipt bythe Trust(Basis and Fixed Rate Swap) - $ All other amounts in the nature of income not included above - $ Available Income 6,145,876.16 $ |
| Calculati | on of Total Available Income |
| (i) (ii) (iii) |
Available Income 6,145,876.16 $ |
| Principal Draw - $ |
|
| LiquidityDraw - $ |
|
| Total Available Income 6,145,876.16 $ |
|
| Applicati | on of Total Available Income |
| (i) (ii) (iii) (iv) (v) (vi) (vii) (viii) (ix) (x) (xi) (xii) (xiii) (xiv) (xv) (xvi) (xvii (xvii (xix) (xx) (xxi) (xxii (xxii (xiv) |
Payment to Participation Unitholder(first$1.00) 1.00 $ |
| Accrual Adjustment to the Seller(to the extent not netted) - $ |
|
| (paripassu and rateably) | |
| (a)Taxes - $ |
|
| (b)Trustee Fees 11,566.31 $ |
|
| (c)Servicer Fees 350,494.36 $ |
|
| (d)Manager Fees 56,079.10 $ |
|
| (e)SecurityTrustee Fees - $ |
|
| (f)Custodian Fees 21,029.66 $ |
|
| (g)Enforcement Expenses - $ |
|
| (h)Other Expenses 2,181.73 $ |
|
| (paripassu and rateably) | |
| (a)Net Swapdue to each Derivative Counterpartyexcludingbreak costs &payments to defaultingcounterparty 526,924.00 $ |
|
| (b)LiquidityFacility- Interest and Fees 7,009.89 $ |
|
| Reimbursement of LiquidityDraws - $ |
|
| (paripassu and rateably) | |
| (a)Class A1 Note Interest(current & unpaid) 3,441,149.48 $ |
|
| (b)Redraw Notes Interest(current & unpaid) - $ |
|
| Class A2 Note Interest(current & unpaid) 172,909.59 $ |
|
| Class B Note Senior Interest(current & unpaid) 142,500.82 $ |
|
| Class C Note Senior Interest(current & unpaid) 46,932.60 $ |
|
| Class D Note Senior Interest(current & unpaid) 49,433.42 $ |
|
| Class E Note Senior Interest(current & unpaid) 39,092.60 $ |
|
| Class F Note Senior Interest(current & unpaid) 46,763.84 $ |
|
| Repayment of Principal Draw - $ |
|
| Reimbursement of Losses in the immediately precedingCollection Period - $ |
|
| Reinstatement of Carryover Charge-offs - $ |
|
| Class B Note Residual Interest(current & unpaid) - $ |
|
| ) Class C Note Residual Interest(current & unpaid) - $ |
|
| i) Class D Note Residual Interest(current & unpaid) - $ |
|
| Class E Note Residual Interest(current & unpaid) - $ |
|
| Class F Note Residual Interest(current & unpaid) - $ |
|
| (paripassu and rateably) | |
| (a)Anyother amountspayable to the Derivative Counterparty - $ |
|
| (b)Anyother amountspayable to the LiquidityFacilityProvider - $ |
|
| ) Tax Shortfallpayable - $ |
|
| i) Tax Amountpayable - $ |
|
| Surplus distributed to the Participation Unitholder 1,231,807.76 $ |
|
| Total Available Income Applied 6,145,876.16 $ |
|
| Facilities | Outstanding |
| Principal Draw | |
| OpeningPrincipal Draw Outstanding - $ |
|
| Principal Draw Current Period - $ |
|
| Repayment of Principal Draw Current Period - $ |
|
| ClosingPrincipal Draw Outstanding - $ |
|
| Liquidity Facility | |
| LiquidityFacilityLimit 18,275,777.48 $ |
|
| OpeningLiquidityFacilityBalance Outstanding - $ |
|
| LiquidityFacilityDraw Current Period - $ |
|
| Repayment of LiquidityFacilityCurrent Period - $ |
|
| ClosingLiquidityFacilityBalance Outstanding - $ |
|
| Total Ava | ilable Principal |
| (i) (ii) (iii) (iv) (v) (vi) (vii) |
Principal Collections 52,263,156.77 $ |
| Total Available Income to be applied towards repayment of Principal Draws - $ |
|
| Total Available Income to be applied towards reimbursement of losses for the immediately precedingCollection Period - $ |
|
| Total Available Income to be applied towards reimbursement of Carryover Charge offs - $ |
|
| Surplus Proceeds from Redraw Notes - $ |
|
| Surplus Proceeds upon Issuance of Notes on the ClosingDate - $ |
|
| Less anyamount applied bythe Servicer to fund Redraws & Permitted Further Advances duringthe Collection Period | |
| (a)Redraws 5,054,753.38 -$ |
|
| (b) Permitted Further Advances 1,077,736.85 -$ |
|
Total Available Principal 46,130,666.54 $ |
|
| Applicati | on of Total Available Principal |
| (i) (ii) (iii) (iv) (v) (vi) (vii) (viii) (ix) (x) (xi) |
Reimbursement of Redraws and Permitted Further Advances made bythe Seller - $ |
| Repayment of Redraw Notes - $ |
|
| Principal Draw - $ |
|
| Apply Remaining Total Available Principal rateably andparipassu? NO |
|
| Repayment of the Class A1 Notes 46,130,666.54 $ |
|
| Repayment of the Class A2 Notes - $ |
|
| Repayment of the Class B Notes - $ |
|
| Repayment of the Class C Notes - $ |
|
| Repayment of the Class D Notes - $ |
|
| Repayment of the Class E Notes - $ |
|
| Repayment of the Class F Notes - $ |
|
| Surplus distribution to the Residual Unitholder - $ |
|
| Total Available Principal Applied 46,130,666.54 $ |
|
Page 2 of 12
| Note Summary | ||
|---|---|---|
| Redraw Notes(AUD) | ||
| OpeningUnpaid Interest Amount | N/A | |
| Interest on Unpaid Interest Amount | N/A | |
| Interest Amount Due - currentperiod | N/A | |
| Total Interest Amount Paid on Payment Date | N/A | |
| ClosingUnpaid Interest Amount | N/A | |
| Initial Invested Amount | N/A | |
| OpeningInvested Amount | N/A | |
| Principal Repayment - currentperiod | N/A | |
| ClosingInvested Amount | N/A | |
| OpeningCarryover Charge offs | N/A | |
| OpeningStated Amount | N/A | |
| Charge offs - currentperiod | N/A | |
| Reimbursement of Charge offs - currentperiod | N/A | |
| ClosingCarryover Charge offs | N/A | |
| ClosingStated Amount | N/A | |
| Class A1 Notes(AUD) | ||
| OpeningUnpaid Interest Amount | $ | - |
| Interest on Unpaid Interest Amount | $ | - |
| Interest Amount Due - currentperiod | $ | 3,441,149.48 |
| Total Interest Amount Paid on Payment Date | $ | 3,441,149.48 |
| ClosingUnpaid Interest Amount | $ | - |
| Initial Invested Amount | $ | 1,840,000,000.00 |
| OpeningInvested Amount | $ | 1,667,577,747.64 |
| Principal Repayment - currentperiod | $ | 46,130,666.54 |
| ClosingInvested Amount | $ | 1,621,447,081.10 |
| OpeningCarryover Charge offs | $ | - |
| OpeningStated Amount | $ | 1,667,577,747.64 |
| Charge offs - currentperiod | $ | - |
| Reimbursement of Charge offs - currentperiod | $ | - |
| ClosingCarryover Charge offs | $ | - |
| ClosingStated Amount | $ | 1,621,447,081.10 |
| Class A2 Notes(AUD) | ||
| OpeningUnpaid Interest Amount | $ | - |
| Interest on Unpaid Interest Amount | $ | - |
| Interest Amount Due - currentperiod | $ | 172,909.59 |
| Total Interest Amount Paid on Payment Date | $ | 172,909.59 |
| ClosingUnpaid Interest Amount | $ | - |
| Initial Invested Amount | $ | 70,000,000.00 |
| OpeningInvested Amount | $ | 70,000,000.00 |
| Principal Repayment - currentperiod | $ | - |
| ClosingInvested Amount | $ | 70,000,000.00 |
| OpeningCarryover Charge offs | $ | - |
| OpeningStated Amount | $ | 70,000,000.00 |
| Charge offs - currentperiod | $ | - |
| Reimbursement of Charge offs - currentperiod | $ | - |
| ClosingCarryover Charge offs | $ | - |
| ClosingStated Amount | $ | 70,000,000.00 |
| Class B Notes(AUD) | ||
| OpeningUnpaid Senior Interest Amount | $ | - |
| Interest on Unpaid Senior Interest Amount | $ | - |
| Senior Interest Amount Due - currentperiod | $ | 142,500.82 |
| Total Senior Interest Amount Paid on Payment Date | $ | 142,500.82 |
| ClosingUnpaid Senior Interest Amount | $ | - |
| OpeningUnpaid Residual Interest Amount | $ | - |
| Interest on Unpaid Residual Interest Amount | $ | - |
| Residual Interest Amount Due - currentperiod | $ | - |
| Total Residual Interest Amount Paid on Payment Date | $ | - |
| ClosingUnpaid Residual Interest Amount | $ | - |
| Initial Invested Amount | $ | 48,000,000.00 |
| OpeningInvested Amount | $ | 48,000,000.00 |
| Principal Repayment - currentperiod | $ | - |
| ClosingInvested Amount | $ | 48,000,000.00 |
| OpeningCarryover Charge offs | $ | - |
| OpeningStated Amount | $ | 48,000,000.00 |
| Charge offs - currentperiod | $ | - |
| Reimbursement of Charge offs - currentperiod | $ | - |
| ClosingCarryover Charge offs | $ | - |
| ClosingStated Amount | $ | 48,000,000.00 |
Page 3 of 12
| Note Summary (continued…) | ||
|---|---|---|
| Class C Notes(AUD) | ||
| OpeningUnpaid Senior Interest Amount | $ | - |
| Interest on Unpaid Senior Interest Amount | $ | - |
| Senior Interest Amount Due - currentperiod | $ | 46,932.60 |
| Total Senior Interest Amount Paid on Payment Date | $ | 46,932.60 |
| ClosingUnpaid Senior Interest Amount | $ | - |
| OpeningUnpaid Residual Interest Amount | $ | - |
| Interest on Unpaid Residual Interest Amount | $ | - |
| Residual Interest Amount Due - currentperiod | $ | - |
| Total Residual Interest Amount Paid on Payment Date | $ | - |
| ClosingUnpaid Residual Interest Amount | $ | - |
| Initial Invested Amount | $ | 14,000,000.00 |
| OpeningInvested Amount | $ | 14,000,000.00 |
| Principal Repayment - currentperiod | $ | - |
| ClosingInvested Amount | $ | 14,000,000.00 |
| OpeningCarryover Charge offs | $ | - |
| OpeningStated Amount | $ | 14,000,000.00 |
| Charge offs - currentperiod | $ | - |
| Reimbursement of Charge offs - currentperiod | $ | - |
| ClosingCarryover Charge offs | $ | - |
| ClosingStated Amount | $ | 14,000,000.00 |
| Class D Notes(AUD) | ||
| OpeningUnpaid Senior Interest Amount | $ | - |
| Interest on Unpaid Senior Interest Amount | $ | - |
| Senior Interest Amount Due - currentperiod | $ | 49,433.42 |
| Total Senior Interest Amount Paid on Payment Date | $ | 49,433.42 |
| ClosingUnpaid Senior Interest Amount | $ | - |
| OpeningUnpaid Residual Interest Amount | $ | - |
| Interest on Unpaid Residual Interest Amount | $ | - |
| Residual Interest Amount Due - currentperiod | $ | - |
| Total Residual Interest Amount Paid on Payment Date | $ | - |
| ClosingUnpaid Residual Interest Amount | $ | - |
| Initial Invested Amount | $ | 12,000,000.00 |
| OpeningInvested Amount | $ | 12,000,000.00 |
| Principal Repayment - currentperiod | $ | - |
| ClosingInvested Amount | $ | 12,000,000.00 |
| OpeningCarryover Charge offs | $ | - |
| OpeningStated Amount | $ | 12,000,000.00 |
| Charge offs - currentperiod | $ | - |
| Reimbursement of Charge offs - currentperiod | $ | - |
| ClosingCarryover Charge offs | $ | - |
| ClosingStated Amount | $ | 12,000,000.00 |
| Class E Notes(AUD) | ||
| OpeningUnpaid Senior Interest Amount | $ | - |
| Interest on Unpaid Senior Interest Amount | $ | - |
| Senior Interest Amount Due - currentperiod | $ | 39,092.60 |
| Total Senior Interest Amount Paid on Payment Date | $ | 39,092.60 |
| ClosingUnpaid Senior Interest Amount | $ | - |
| OpeningUnpaid Residual Interest Amount | $ | - |
| Interest on Unpaid Residual Interest Amount | $ | - |
| Residual Interest Amount Due - currentperiod | $ | - |
| Total Residual Interest Amount Paid on Payment Date | $ | - |
| ClosingUnpaid Residual Interest Amount | $ | - |
| Initial Invested Amount | $ | 8,000,000.00 |
| OpeningInvested Amount | $ | 8,000,000.00 |
| Principal Repayment - currentperiod | $ | - |
| ClosingInvested Amount | $ | 8,000,000.00 |
| OpeningCarryover Charge offs | $ | - |
| OpeningStated Amount | $ | 8,000,000.00 |
| Charge offs - currentperiod | $ | - |
| Reimbursement of Charge offs - currentperiod | $ | - |
| ClosingCarryover Charge offs | $ | - |
| ClosingStated Amount | $ | 8,000,000.00 |
| Class F Notes(AUD) | ||
| OpeningUnpaid Senior Interest Amount | $ | - |
| Interest on Unpaid Senior Interest Amount | $ | - |
| Senior Interest Amount Due - currentperiod | $ | 46,763.84 |
| Total Senior Interest Amount Paid on Payment Date | $ | 46,763.84 |
| ClosingUnpaid Senior Interest Amount | $ | - |
| OpeningUnpaid Residual Interest Amount | $ | - |
| Interest on Unpaid Residual Interest Amount | $ | - |
| Residual Interest Amount Due - currentperiod | $ | - |
| Total Residual Interest Amount Paid on Payment Date | $ | - |
| ClosingUnpaid Residual Interest Amount | $ | - |
| Initial Invested Amount | $ | 8,000,000.00 |
| OpeningInvested Amount | $ | 8,000,000.00 |
| Principal Repayment - currentperiod | $ | - |
| ClosingInvested Amount | $ | 8,000,000.00 |
| OpeningCarryover Charge offs | $ | - |
| OpeningStated Amount | $ | 8,000,000.00 |
| Charge offs - currentperiod | $ | - |
| Reimbursement of Charge offs - currentperiod | $ | - |
| ClosingCarryover Charge offs | $ | - |
| ClosingStated Amount | $ | 8,000,000.00 |
Page 4 of 12
| Pool Summary | ||
|---|---|---|
| Collection Period End Date | 28 Feb 2017 | |
| Current Aggregate Principal Balance (AUD) | $ | 1,781,447,081 |
| Total Property Value | $ | 4,041,234,455 |
| Number of (Eligible) Security Properties | 11,878 | |
| Number of (Eligible) Debtors | 7,784 | |
| Number of Loans (Unconsolidated) | 8,207 | |
| Number of Loans (Consolidated) | 7,502 | |
| Average Loan Size (Consolidated) | $ | 237,463 |
| Maximum Loan Balance (Consolidated) | $ | 1,748,988 |
| Weighted Average Consolidated Current Loan to Value Ratio (LVR) | 53.05% | |
| Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR) | 44.86% | |
| Maximum Consolidated Current Loan To Value Ratio (LVR) | 93.03% | |
| Weighted Average Interest Rate | 4.48% | |
| Weighted Average Seasoning (Months) | 48.99 | |
| Weighted Average Remaining Term (Months) | 290.77 | |
| Maximum Current RemainingTerm(Months) | 343.95 |
Note: Values reflected in the individual line items on some of the stratification tables may not always sum to the totals noted in those stratification tables due to rounding of values at the individual line item levels.
| Prepayment Information* | Prepayment Information* | Prepayment Information* | Prepayment Information* | Prepayment Information* | Prepayment Information* |
|---|---|---|---|---|---|
| Prepayment History 1 Month 3 Month 6 Month 12 Month Cumulative |
|||||
| Prepayment History (CPR) Prepayment History (SMM) |
23.96% 2.26% |
24.26% 2.29% |
- - |
- - |
27.02% 2.59% |
*CPR is Constant Prepayment Rate, SMM is Single Monthly Mortality
Mortgage Pool by Consolidated Current Loan to Value Ratio (LVR)
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
|---|---|---|---|---|
| upto and including40.00% | 2,580 | 34.39% | 401,591,048 $ |
22.54% |
| > 40.00% upto and including45.00% | 596 | 7.94% | 157,326,019 $ |
8.83% |
| > 45.00% upto and including50.00% | 593 | 7.90% | 168,135,432 $ |
9.44% |
| > 50.00% upto and including55.00% | 693 | 9.24% | 199,657,789 $ |
11.21% |
| > 55.00% upto and including60.00% | 716 | 9.54% | 213,226,164 $ |
11.97% |
| > 60.00% upto and including65.00% | 579 | 7.72% | 158,430,117 $ |
8.89% |
| > 65.00% upto and including70.00% | 563 | 7.50% | 159,268,410 $ |
8.94% |
| > 70.00% upto and including75.00% | 536 | 7.14% | 147,460,394 $ |
8.28% |
| > 75.00% upto and including80.00% | 403 | 5.37% | 109,009,870 $ |
6.12% |
| > 80.00% upto and including85.00% | 161 | 2.15% | 41,806,066 $ |
2.35% |
| > 85.00% upto and including90.00% | 72 | 0.96% | 22,230,418 $ |
1.25% |
| > 90.00% upto and including95.00% | 10 | 0.13% | 3,305,354 $ |
0.19% |
| > 95.00% upto and including100.00% | 0 | 0.00% | - $ |
0.00% |
| > 100.00% | 0 | 0.00% | - $ |
0.00% |
| Total | 7,502 | 100.00% | 1,781,447,081 $ |
100.00% |
Mortgage Pool by Consolidated Current Indexed Loan to Value Ratio (LVR)*
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
|---|---|---|---|---|
| upto and including40.00% | 3,646 | 48.60% | 722,831,904 $ |
40.58% |
| > 40.00% upto and including45.00% | 658 | 8.77% | 180,289,706 $ |
10.12% |
| > 45.00% upto and including50.00% | 698 | 9.30% | 195,615,381 $ |
10.98% |
| > 50.00% upto and including55.00% | 574 | 7.65% | 160,620,920 $ |
9.02% |
| > 55.00% upto and including60.00% | 544 | 7.25% | 148,664,498 $ |
8.35% |
| > 60.00% upto and including65.00% | 438 | 5.84% | 119,349,664 $ |
6.70% |
| > 65.00% upto and including70.00% | 403 | 5.37% | 106,955,542 $ |
6.00% |
| > 70.00% upto and including75.00% | 311 | 4.15% | 81,655,226 $ |
4.58% |
| > 75.00% upto and including80.00% | 166 | 2.21% | 46,860,583 $ |
2.63% |
| > 80.00% upto and including85.00% | 49 | 0.65% | 13,691,020 $ |
0.77% |
| > 85.00% upto and including90.00% | 9 | 0.12% | 3,503,059 $ |
0.20% |
| > 90.00% upto and including95.00% | 6 | 0.08% | 1,409,578 $ |
0.08% |
| > 95.00% upto and including100.00% | 0 | 0.00% | - $ |
0.00% |
| > 100.00% | 0 | 0.00% | - $ |
0.00% |
| Total | 7,502 | 100.00% | 1,781,447,081 $ |
100.00% |
* Unless otherwise stated, LVRs reported in the table above will be based on quarterly data provided by RP Data using the hedonic index values as at the latest Property Index available to the Trust Manager on each Determination Date falling in March, June, September and December.
Mortgage Pool by Consolidated Loan Balance
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
|---|---|---|---|---|
| upto and including $100,000 | 1,271 | 16.94% | 70,704,888 $ |
3.97% |
| >$100,000 upto and including $200,000 | 2,034 | 27.11% | 309,112,980 $ |
17.35% |
| >$200,000 upto and including $300,000 | 2,120 | 28.26% | 524,763,697 $ |
29.46% |
| >$300,000 upto and including $400,000 | 1,232 | 16.42% | 425,663,699 $ |
23.89% |
| >$400,000 upto and including $500,000 | 468 | 6.24% | 209,494,571 $ |
11.76% |
| >$500,000 upto and including $600,000 | 218 | 2.91% | 119,263,340 $ |
6.69% |
| >$600,000 upto and including $700,000 | 69 | 0.92% | 44,797,655 $ |
2.51% |
| >$700,000 upto and including $800,000 | 43 | 0.57% | 32,022,462 $ |
1.80% |
| >$800,000 upto and including $900,000 | 25 | 0.33% | 20,929,183 $ |
1.17% |
| >$900,000 upto and including $1.00m | 8 | 0.11% | 7,706,435 $ |
0.43% |
| >$1.00m upto and including $1.25m | 12 | 0.16% | 13,579,077 $ |
0.76% |
| >$1.25m upto and including $1.50m | 0 | 0.00% | - $ |
0.00% |
| >$1.50m upto and including $1.75m | 2 | 0.03% | 3,409,095 $ |
0.19% |
| >$1.75m upto and including $2.00m | 0 | 0.00% | - $ |
0.00% |
| >$2.00m | 0 | 0.00% | - $ |
0.00% |
| Total | 7,502 | 100.00% | 1,781,447,081 $ |
100.00% |
| Mortgage Pool by Geographic Distribution | Mortgage Pool by Geographic Distribution | Mortgage Pool by Geographic Distribution | Mortgage Pool by Geographic Distribution | Mortgage Pool by Geographic Distribution |
|---|---|---|---|---|
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
||||
| NSW / ACT | 2,131 | 25.97% | 513,249,958 $ |
28.81% |
| VIC | 2,759 | 33.62% | 604,245,161 $ |
33.92% |
| TAS | 222 | 2.71% | 30,508,409 $ |
1.71% |
| QLD | 1,234 | 15.04% | 247,048,567 $ |
13.87% |
| SA | 759 | 9.25% | 134,971,396 $ |
7.58% |
| WA | 1,041 | 12.68% | 236,617,108 $ |
13.28% |
| NT | 61 | 0.74% | 14,806,482 $ |
0.83% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
Page 5 of 12
| Mortgage Pool by Region | Mortgage Pool by Region | Mortgage Pool by Region | Mortgage Pool by Region | Mortgage Pool by Region |
|---|---|---|---|---|
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
||||
| Metro | 6,042 | 73.62% | 1,441,694,359 $ |
80.93% |
| Non Metro | 2,165 | 26.38% | 339,752,722 $ |
19.07% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
| Mortgage Pool by State and Region | ||||
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
||||
| NSW / ACT - Metro | 1,423 | 17.34% | 403,537,419 $ |
22.65% |
| NSW / ACT - Non Metro | 708 | 8.63% | 109,712,539 $ |
6.16% |
| VIC - Metro | 2,187 | 26.65% | 516,587,985 $ |
29.00% |
| VIC - Non Metro | 572 | 6.97% | 87,657,176 $ |
4.92% |
| TAS - Metro | 134 | 1.63% | 19,928,542 $ |
1.12% |
| TAS - Non Metro | 88 | 1.07% | 10,579,867 $ |
0.59% |
| QLD - Metro | 816 | 9.94% | 177,856,829 $ |
9.98% |
| QLD - Non Metro | 418 | 5.09% | 69,191,738 $ |
3.88% |
| SA - Metro | 570 | 6.95% | 109,750,817 $ |
6.16% |
| SA - Non Metro | 189 | 2.30% | 25,220,579 $ |
1.42% |
| WA - Metro | 872 | 10.63% | 203,604,483 $ |
11.43% |
| WA - Non Metro | 169 | 2.06% | 33,012,625 $ |
1.85% |
| NT - Metro | 40 | 0.49% | 10,428,284 $ |
0.59% |
| NT - Non Metro | 21 | 0.26% | 4,378,199 $ |
0.25% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
| Mortgage Pool by Top 20 Postcodes* | ||||
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
||||
| 3977(Frankston,VIC) | 64 | 0.78% | 13,149,141 $ |
0.74% |
| 3029(Melb North West,VIC) | 55 | 0.67% | 10,954,259 $ |
0.61% |
| 3037(Hawthorn,VIC) | 41 | 0.50% | 8,460,400 $ |
0.47% |
| 3030(Melb North West,VIC) | 45 | 0.55% | 7,975,906 $ |
0.45% |
| 3810(Frankston,VIC) | 43 | 0.52% | 7,863,434 $ |
0.44% |
| 6065(Brand,WA) | 36 | 0.44% | 7,628,019 $ |
0.43% |
| 3023(Footscray,VIC) | 36 | 0.44% | 7,623,566 $ |
0.43% |
| 6155(Tangney,WA) | 31 | 0.38% | 7,392,042 $ |
0.41% |
| 6210(Brand,WA) | 36 | 0.44% | 7,146,553 $ |
0.40% |
| 3805(Dandenong,VIC) | 37 | 0.45% | 7,012,931 $ |
0.39% |
| 3064(Melb North West,VIC) | 39 | 0.48% | 6,899,399 $ |
0.39% |
| 2155(Seven Hills,NSW) | 20 | 0.24% | 6,884,480 $ |
0.39% |
| 3193(Dandenong,VIC) | 17 | 0.21% | 6,783,344 $ |
0.38% |
| 6164(Brand,WA) | 29 | 0.35% | 6,565,580 $ |
0.37% |
| 6112(Tangney,WA) | 30 | 0.37% | 6,485,667 $ |
0.36% |
| 3199(Frankston,VIC) | 31 | 0.38% | 6,322,124 $ |
0.35% |
| 2075(Pymble,NSW) | 13 | 0.16% | 6,267,940 $ |
0.35% |
| 2170(Campbelltown,NSW) | 27 | 0.33% | 6,263,488 $ |
0.35% |
| 3350(VIC Country,VIC) | 32 | 0.39% | 5,722,124 $ |
0.32% |
| 2035(Alexandria,NSW) | 15 | 0.18% | 5,629,832 $ |
0.32% |
| Total | 677 | 8.25% | 149,030,227 $ |
8.37% |
*It is possible for certain postcodes to correspond to multiple suburbs. The name assigned to a certain postcode will be based on the "Barcode Sort Plan Area Name" assigned under the Australia Post Barcode Sort Plan.
| Mortgage Pool by Top 20 Statistical Subdivisions | Mortgage Pool by Top 20 Statistical Subdivisions | Mortgage Pool by Top 20 Statistical Subdivisions | Mortgage Pool by Top 20 Statistical Subdivisions | Mortgage Pool by Top 20 Statistical Subdivisions |
|---|---|---|---|---|
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
||||
| 20565(Southern Melbourne,VIC) | 239 | 2.91% | 71,249,502 $ |
4.00% |
| 50515(North Metropolitan,WA) | 231 | 2.81% | 55,913,014 $ |
3.14% |
| 20510(Western Melbourne,VIC) | 244 | 2.97% | 55,359,199 $ |
3.11% |
| 20580(South Eastern Outer Melbourne,VIC) | 243 | 2.96% | 48,243,801 $ |
2.71% |
| 20550(Eastern Middle Melbourne,VIC) | 144 | 1.75% | 43,741,369 $ |
2.46% |
| 50520(South West Metropolitan,WA) | 178 | 2.17% | 42,253,417 $ |
2.37% |
| 20505(Inner Melbourne,VIC) | 141 | 1.72% | 41,501,876 $ |
2.33% |
| 50525(South East Metropolitan,WA) | 200 | 2.44% | 41,338,808 $ |
2.32% |
| 10515(St George-Sutherland,NSW) | 136 | 1.66% | 39,765,464 $ |
2.23% |
| 10505(Inner Sydney,NSW) | 119 | 1.45% | 39,679,069 $ |
2.23% |
| 10560(Central Northern Sydney,NSW) | 120 | 1.46% | 39,175,285 $ |
2.20% |
| 20520(Melton-Wyndham,VIC) | 192 | 2.34% | 37,361,902 $ |
2.10% |
| 40520(Southern Adelaide,SA) | 184 | 2.24% | 36,705,118 $ |
2.06% |
| 30507(Northwest Outer Brisbane, QLD) | 166 | 2.02% | 34,812,647 $ |
1.95% |
| 10565(Northern Beaches,NSW) | 97 | 1.18% | 33,106,897 $ |
1.86% |
| 50510(East Metropolitan,WA) | 150 | 1.83% | 32,498,398 $ |
1.82% |
| 40505(Northern Adelaide,SA) | 180 | 2.19% | 31,146,240 $ |
1.75% |
| 10555(Lower Northern Sydney,NSW) | 78 | 0.95% | 30,190,615 $ |
1.69% |
| 10545(Outer Western Sydney,NSW) | 123 | 1.50% | 27,452,770 $ |
1.54% |
| 10553(Blacktown,NSW) | 110 | 1.34% | 27,071,113 $ |
1.52% |
| Total | 3,275 | 39.90% | 808,566,505 $ |
45.39% |
| Mortgage Pool by Occupancy Status | ||||
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
||||
| Owner Occupied(Full Recourse) | 6,761 | 82.38% | 1,451,617,621 $ |
81.49% |
| Residential Investment(Full Recourse) | 1,446 | 17.62% | 329,829,460 $ |
18.51% |
| Residential Investment(Limited Recourse) | 0 | 0.00% | - $ |
0.00% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
| Mortgage Pool by Documentation Type | ||||
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
||||
| Full Doc Loans | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
| Low Doc Loans | 0 | 0.00% | - $ |
0.00% |
| No Doc Loans | 0 | 0.00% | - $ |
0.00% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
Page 6 of 12
Mortgage Pool by Payment Type
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
|
|---|---|---|---|---|
| P&I | 7,601 | 92.62% | 1,599,628,815 $ |
89.79% |
| Interest Only | 606 | 7.38% | 181,818,266 $ |
10.21% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
| Mortgage Pool by Remaining Interest Only Period | ||||
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
||||
| AmortisingLoans | 7,601 | 92.62% | 1,599,628,815 $ |
89.79% |
| Interest OnlyLoans : > 0 upto and including1years | 206 | 2.51% | 63,792,096 $ |
3.58% |
| Interest OnlyLoans : > 1 upto and including2years | 248 | 3.02% | 67,624,534 $ |
3.80% |
| Interest OnlyLoans : > 2 upto and including3years | 104 | 1.27% | 32,245,394 $ |
1.81% |
| Interest OnlyLoans : > 3 upto and including4years | 32 | 0.39% | 12,112,989 $ |
0.68% |
| Interest OnlyLoans : > 4 upto and including5years | 16 | 0.19% | 6,043,253 $ |
0.34% |
| Interest OnlyLoans : > 5 upto and including6years | 0 | 0.00% | - $ |
0.00% |
| Interest OnlyLoans : > 6 upto and including7years | 0 | 0.00% | - $ |
0.00% |
| Interest OnlyLoans : > 7 upto and including8years | 0 | 0.00% | - $ |
0.00% |
| Interest OnlyLoans : > 8 upto and including9years | 0 | 0.00% | - $ |
0.00% |
| Interest OnlyLoans : > 9 upto and including10years | 0 | 0.00% | - $ |
0.00% |
| Interest OnlyLoans : > 10years | 0 | 0.00% | - $ |
0.00% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
| Mortgage Pool by Mortgage Loan Interest Rate | ||||
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
||||
| upto and including3.00% | 0 | 0.00% | - $ |
0.00% |
| > 3.00% upto and including3.25% | 0 | 0.00% | - $ |
0.00% |
| > 3.25% upto and including3.50% | 0 | 0.00% | - $ |
0.00% |
| > 3.50% upto and including3.75% | 60 | 0.73% | 14,721,121 $ |
0.83% |
| > 3.75% upto and including4.00% | 358 | 4.36% | 115,565,078 $ |
6.49% |
| > 4.00% upto and including4.25% | 750 | 9.14% | 235,187,544 $ |
13.20% |
| > 4.25% upto and including4.50% | 1,794 | 21.86% | 484,612,486 $ |
27.20% |
| > 4.50% upto and including4.75% | 4,180 | 50.93% | 743,886,290 $ |
41.76% |
| > 4.75% upto and including5.00% | 465 | 5.67% | 107,112,653 $ |
6.01% |
| > 5.00% upto and including5.25% | 471 | 5.74% | 55,002,264 $ |
3.09% |
| > 5.25% upto and including5.50% | 2 | 0.02% | 364,539 $ |
0.02% |
| > 5.50% upto and including5.75% | 79 | 0.96% | 16,359,451 $ |
0.92% |
| > 5.75% upto and including6.00% | 43 | 0.52% | 7,987,995 $ |
0.45% |
| > 6.00% upto and including6.25% | 0 | 0.00% | - $ |
0.00% |
| > 6.25% upto and including6.50% | 0 | 0.00% | - $ |
0.00% |
| > 6.50% upto and including6.75% | 2 | 0.02% | 426,445 $ |
0.02% |
| > 6.75% upto and including7.00% | 3 | 0.04% | 221,216 $ |
0.01% |
| > 7.00% upto and including7.25% | 0 | 0.00% | - $ |
0.00% |
| > 7.25% upto and including7.50% | 0 | 0.00% | - $ |
0.00% |
| > 7.50% upto and including7.75% | 0 | 0.00% | - $ |
0.00% |
| > 7.75% upto and including8.00% | 0 | 0.00% | - $ |
0.00% |
| > 8.00% upto and including8.25% | 0 | 0.00% | - $ |
0.00% |
| > 8.25% upto and including8.50% | 0 | 0.00% | - $ |
0.00% |
| > 8.50% | 0 | 0.00% | - $ |
0.00% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
Mortgage Pool by Interest Option
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
|---|---|---|---|---|
| <= 1 Year Fixed | 172 | 2.10% | 37,039,743 $ |
2.08% |
| <= 2 Year Fixed | 170 | 2.07% | 36,651,662 $ |
2.06% |
| <= 3 Year Fixed | 88 | 1.07% | 19,904,026 $ |
1.12% |
| <= 4 Year Fixed | 26 | 0.32% | 6,867,312 $ |
0.39% |
| <= 5 Year Fixed | 3 | 0.04% | 479,976 $ |
0.03% |
| > 5 Year Fixed | 0 | 0.00% | - $ |
0.00% |
| Total Fixed Rate | 459 | 5.59% | 100,942,717 $ |
5.67% |
| Total Variable Rate | 7,748 | 94.41% | 1,680,504,364 $ |
94.33% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
| Mortgage Pool by Loan Purpose | ||||
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
||||
| Alterations to existingdwelling | 205 | 2.50% | 33,337,255 $ |
1.87% |
| Business / Commercial / Investment | 0 | 0.00% | - $ |
0.00% |
| Construction of a dwelling (construction completed) | 162 | 1.97% | 47,666,399 $ |
2.68% |
| Purchase of established dwelling | 2,107 | 25.67% | 507,115,158 $ |
28.47% |
| Purchase of new erected dwelling | 192 | 2.34% | 44,491,650 $ |
2.50% |
| Refinancingexistingdebt from another lender | 1,120 | 13.65% | 245,999,537 $ |
13.81% |
| Refinancingexistingdebt with ANZ | 3,087 | 37.61% | 627,067,756 $ |
35.20% |
| Other | 1,334 | 16.25% | 275,769,326 $ |
15.48% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
Mortgage Pool by Loan Seasoning
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
|---|---|---|---|---|
| upto and including3 months | 0 | 0.00% | - $ |
0.00% |
| > 3 upto and including6 months | 0 | 0.00% | - $ |
0.00% |
| > 6 upto and including9 months | 0 | 0.00% | - $ |
0.00% |
| > 9 upto and including12 months | 0 | 0.00% | - $ |
0.00% |
| > 12 upto and including15 months | 0 | 0.00% | - $ |
0.00% |
| > 15 upto and including18 months | 49 | 0.60% | 13,457,322 $ |
0.76% |
| > 18 upto and including21 months | 120 | 1.46% | 37,760,582 $ |
2.12% |
| > 21 upto and including24 months | 119 | 1.45% | 30,805,561 $ |
1.73% |
| > 24 upto and including27 months | 99 | 1.21% | 28,946,516 $ |
1.62% |
| > 27 upto and including30 months | 149 | 1.82% | 39,302,559 $ |
2.21% |
| > 30 upto and including33 months | 276 | 3.36% | 61,270,707 $ |
3.44% |
| > 33 upto and including36 months | 797 | 9.71% | 177,594,264 $ |
9.97% |
| > 36 upto and including48 months | 2,942 | 35.85% | 606,785,487 $ |
34.06% |
| > 48 upto and including60 months | 1,601 | 19.51% | 338,604,490 $ |
19.01% |
| > 60 upto and including72 months | 1,291 | 15.73% | 277,169,408 $ |
15.56% |
| > 72 upto and including84 months | 494 | 6.02% | 119,044,471 $ |
6.68% |
| > 84 upto and including96 months | 161 | 1.96% | 33,742,038 $ |
1.89% |
| > 96 upto and including108 months | 59 | 0.72% | 10,693,869 $ |
0.60% |
| > 108 upto and including120 months | 19 | 0.23% | 2,989,940 $ |
0.17% |
| > 120 months | 31 | 0.38% | 3,279,868 $ |
0.18% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
Page 7 of 12
| Mortgage Pool by Remaining Tenor | |||||
|---|---|---|---|---|---|
| Number | (%) Number | Balance | (%) Balance | ||
| of Loans | of Loans | Outstanding | Outstanding | ||
| upto and including1year | 6 | 0.07% | $ | 14,150 | 0.00% |
| > 1 upto and including2years | 11 | 0.13% | $ | 46,718 | 0.00% |
| > 2 upto and including3years | 18 | 0.22% | $ | 301,683 | 0.02% |
| > 3 upto and including4years | 19 | 0.23% | $ | 550,351 | 0.03% |
| > 4 upto and including5years | 32 | 0.39% | $ | 989,735 | 0.06% |
| > 5 upto and including6years | 32 | 0.39% | $ | 1,232,482 | 0.07% |
| > 6 upto and including7years | 65 | 0.79% | $ | 2,608,166 | 0.15% |
| > 7 upto and including8years | 44 | 0.54% | $ | 2,773,223 | 0.16% |
| > 8 upto and including9years | 46 | 0.56% | $ | 3,713,945 | 0.21% |
| > 9 upto and including10years | 64 | 0.78% | $ | 6,476,936 | 0.36% |
| > 10 upto and including15years | 219 | 2.67% | $ | 25,130,915 | 1.41% |
| > 15 upto and including20years | 809 | 9.86% | $ | 129,111,521 | 7.25% |
| > 20 upto and including25years | 2,869 | 34.96% | $ | 670,611,964 | 37.64% |
| > 25 upto and including30years | 3,973 | 48.41% | $ | 937,885,292 | 52.65% |
| > 30years | 0 | 0.00% | $ | - | 0.00% |
| Total | 8,207 | 100.00% | $ | 1,781,447,081 | 100.00% |
| Mortgage Pool by Delinquencies | |||||
| Number | (%) Number | Balance | (%) Balance | ||
| of Loans | of Loans | Outstanding | Outstanding | ||
| Current(0 days) | 8,002 | 97.50% | $ | 1,731,048,225 | 97.17% |
| > 0 days upto and including30 days | 163 | 1.99% | $ | 41,044,952 | 2.30% |
| > 30 days upto and including60 days | 23 | 0.28% | $ | 4,741,385 | 0.27% |
| > 60 days upto and including90 days | 15 | 0.18% | $ | 3,587,586 | 0.20% |
| > 90 days upto and including120 days | 3 | 0.04% | $ | 712,329 | 0.04% |
| > 120 days upto and including150 days | 1 | 0.01% | $ | 312,603 | 0.02% |
| > 150 days upto and including180 days | 0 | 0.00% | $ | - | 0.00% |
| > 180 days | 0 | 0.00% | $ | - | 0.00% |
| Total | 8,207 | 100.00% | $ | 1,781,447,081 | 100.00% |
| Number | (%) Number | Balance | (%) Balance | ||||
|---|---|---|---|---|---|---|---|
| of Loans | of Loans | Outstanding | Outstanding | ||||
| Current(0 days) | 8,002 | 97.50% | $ | 1,731,048,225 | 97.17% | ||
| > 0 days upto and including30 days | 163 | 1.99% | $ | 41,044,952 | 2.30% | ||
| > 30 days upto and including60 days | 23 | 0.28% | $ | 4,741,385 | 0.27% | ||
| > 60 days upto and including90 days | 15 | 0.18% | $ | 3,587,586 | 0.20% | ||
| > 90 days upto and including120 days | 3 | 0.04% | $ | 712,329 | 0.04% | ||
| > 120 days upto and including150 days | 1 | 0.01% | $ | 312,603 | 0.02% | ||
| > 150 days upto and including180 days | 0 | 0.00% | $ | - | 0.00% | ||
| > 180 days | 0 | 0.00% | $ | - | 0.00% | ||
| Total | 8,207 | 100.00% | $ | 1,781,447,081 | 100.00% | ||
| Aggregate Pool Losses and Insurance Claims | |||||||
| Number | Balance | ||||||
| of Loans | Outstanding | ||||||
| Current Month | |||||||
| Mortgagee in Possession | 0 | $ | - | ||||
| Current(gross)losspre-mortgage insurance | 0 | $ | - | ||||
| Claims on Insurers | 0 | $ | - | ||||
| Claimspending | 0 | $ | - | ||||
| Claimspaid | 0 | $ | - | ||||
| Claims reduced | 0 | $ | - | ||||
| Claims denied | 0 | $ | - | ||||
| Claims met byexcess income | 0 | $ | - | ||||
| Claims met byother means | 0 | $ | - | ||||
| Net Losses | 0 | $ | - | ||||
| Cumulative | |||||||
| Mortgagee in Possession | 0 | $ | - | ||||
| Current(gross)losspre-mortgage insurance | 0 | $ | - | ||||
| Claims on Insurers | 0 | $ | - | ||||
| Claimspending | 0 | $ | - | ||||
| Claimspaid | 0 | $ | - | ||||
| Claims reduced | 0 | $ | - | ||||
| Claims denied | 0 | $ | - | ||||
| Claims met byexcess income | 0 | $ | - | ||||
| Claims met byother means | 0 | $ | - | ||||
| Net Losses | 0 | $ | - | ||||
| Mortgage Pool by Payment Frequency | |||||||
| Number | (%) Number | Balance | (%) Balance | ||||
| of Loans | of Loans | Outstanding | Outstanding | ||||
| Weekly | 2,258 | 27.51% | $ | 421,720,636 | 23.67% | ||
| Fortnightly | 3,082 | 37.55% | $ | 596,474,650 | 33.48% | ||
| Monthly | 2,867 | 34.93% | $ | 763,251,796 | 42.84% | ||
| Other | 0 | 0.00% | $ | - | 0.00% | ||
| Total | 8,207 | 100.00% | $ | 1,781,447,081 | 100.00% |
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
|---|---|---|---|---|
| Weekly | 2,258 | 27.51% | 421,720,636 $ |
23.67% |
| Fortnightly | 3,082 | 37.55% | 596,474,650 $ |
33.48% |
| Monthly | 2,867 | 34.93% | 763,251,796 $ |
42.84% |
| Other | 0 | 0.00% | - $ |
0.00% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
| Mortgage Pool by Mortgage Insurance | ||||
| Number of Loans (%) Number of Loans Balance Outstanding (%) Balance Outstanding |
||||
| ANZ Lenders Mortgage Insurance | 904 | 11.01% | 211,610,031 $ |
11.88% |
| QBE Lenders Mortgage Insurance | 0 | 0.00% | - $ |
0.00% |
| Genworth Mortgage Insurance CompanyPtyLtd | 0 | 0.00% | - $ |
0.00% |
| Other | 0 | 0.00% | - $ |
0.00% |
| No Lenders Mortgage Insurance | 7,303 | 88.99% | 1,569,837,050 $ |
88.12% |
| Total | 8,207 | 100.00% | 1,781,447,081 $ |
100.00% |
| Trust Manager Sponsor ANZ Capel Court Ltd Australia and New Zealand Banking Group Limited ABN 30 004 768 807 ABN 11 005 357 522 Level 10, 100 Queen Street Level 9, 833 Collins Street Melbourne, Victoria, Australia 3000 Melbourne, Victoria, Australia 3000 Contacts: Kamlesh Dyall, Associate Director, SCM Middle Office John Needham, Head of Capital and Structured Funding, Group Treasury Phone: (61 3) 8655 9092 Phone: (61 2) 8037 0670 Email: [email protected] Email:[email protected] |
DISCLAIMER This report:
(a) is for information purposes only, is not intended as an offer or solicitation of any financial instrument or product or a recommendation to continue to hold the notes issued by Perpetual Corporate Trust Limited (ABN 99 000 341 533) (“Trustee”) as trustee of the Kingfisher Trust 2016-1 (“Trust”), nor is it the intention of, Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) ("ANZ") nor ANZ Capel Court Limited (the "Manager") to create legal relations on the basis of the information contained in it;
(b) does not purport to contain all relevant information and any statement as to any future matter is a present prediction of a possible future outcome, the accuracy of which cannot be guaranteed.
(c) and the information set out in it are confidential and are only for the recipient's information. No part of this document or the information set out in it may be disclosed to any person.
(d) is provided only to investors who have acquired notes issued by the Trustee of the Trust after receiving, reviewing and understanding the offering documents pursuant to which they were issued. Past performance is not a guide to future performance. ANZ discloses that as contemplated by Article 405 of the Capital Requirements Regulation (which does not take into account any corresponding implementing rules or other measures made in any EEA state) it holds, as at the date of this report, a net economic interest in the securitisation transaction comprised of an interest in randomly selected exposures equivalent to no less than 5% of the aggregate principal balance of the securitised exposures in accordance with Article 405 paragraph (1) sub-paragraph (c).
Page 8 of 12
Article 122a of CRD IV Retention of Interest Report for Kingfisher Trust 2016-1
| Closing Date: 01 Dec 2016 Collection Period End Date (CPED): 28 Feb 2017 Determination Date: 21 Mar 2017 |
||
| Pool Summary | ||
| At Closing | At CPED | |
| Collection Period End Date Current Aggregate Principal Balance (AUD) Total Property Value Number of (Eligible) Security Properties Number of (Eligible) Debtors Number of Loans (Unconsolidated) Number of Loans (Consolidated) Average Loan Size (Consolidated) Maximum Loan Balance (Consolidated) Weighted Average Consolidated Current Loan to Value Ratio (LVR) Weighted Average Consolidated Current Indexed Loan to Value Ratio (LVR) Maximum Consolidated Current Loan To Value Ratio (LVR) Weighted Average Interest Rate Weighted Average Seasoning (Months) Weighted Average Remaining Term (Months) Maximum Current RemainingTerm(Months) |
01 Dec 2016 100,196,541 $ 239,163,275 $ 576 364 407 346 289,585 $ 1,962,595 $ 54.78% 45.82% 89.90% 4.45% 44.77 299.01 347.00 |
28 Feb 2017 91,485,092 $ 221,059,125 $ 531 335 374 321 285,000 $ 1,962,595 $ 55.28% 44.87% 90.11% 4.44% 49.15 294.41 342.83 |
Note: Values reflected in the individual line items on some of the stratification tables may not always sum to the totals noted in those stratification tables due to rounding of values at the individual line item levels.
Mortgage Pool by Consolidated Current Loan to Value Ratio (LVR)
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
|---|---|---|---|---|
| upto and including40.00% | 50.00% | 47.98% | 30.92% | 27.83% |
| > 40.00% upto and including45.00% | 2.31% | 2.49% | 4.05% | 3.80% |
| > 45.00% upto and including50.00% | 3.47% | 4.05% | 4.68% | 5.95% |
| > 50.00% upto and including55.00% | 6.07% | 6.85% | 10.02% | 11.51% |
| > 55.00% upto and including60.00% | 4.62% | 4.36% | 7.50% | 7.47% |
| > 60.00% upto and including65.00% | 2.02% | 2.80% | 2.20% | 2.22% |
| > 65.00% upto and including70.00% | 3.18% | 2.80% | 5.43% | 4.65% |
| > 70.00% upto and including75.00% | 5.20% | 7.17% | 7.53% | 10.19% |
| > 75.00% upto and including80.00% | 13.29% | 13.08% | 16.56% | 16.59% |
| > 80.00% upto and including85.00% | 5.49% | 4.98% | 6.60% | 5.90% |
| > 85.00% upto and including90.00% | 4.34% | 3.12% | 4.51% | 3.37% |
| > 90.00% upto and including95.00% | 0.00% | 0.31% | 0.00% | 0.53% |
| > 95.00% upto and including100.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 100.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
Mortgage Pool by Consolidated Current Indexed Loan to Value Ratio (LVR)*
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
|---|---|---|---|---|
| upto and including40.00% | 54.91% | 54.83% | 44.12% | 44.45% |
| > 40.00% upto and including45.00% | 2.60% | 2.80% | 5.56% | 5.65% |
| > 45.00% upto and including50.00% | 7.51% | 7.17% | 8.75% | 9.96% |
| > 50.00% upto and including55.00% | 4.34% | 7.48% | 5.63% | 9.18% |
| > 55.00% upto and including60.00% | 6.65% | 4.36% | 8.94% | 4.80% |
| > 60.00% upto and including65.00% | 4.05% | 6.85% | 3.56% | 7.46% |
| > 65.00% upto and including70.00% | 7.51% | 6.23% | 9.42% | 7.60% |
| > 70.00% upto and including75.00% | 5.49% | 4.36% | 7.17% | 4.73% |
| > 75.00% upto and including80.00% | 4.34% | 2.18% | 4.13% | 1.74% |
| > 80.00% upto and including85.00% | 0.87% | 2.49% | 0.81% | 2.70% |
| > 85.00% upto and including90.00% | 1.73% | 0.62% | 1.92% | 1.00% |
| > 90.00% upto and including95.00% | 0.00% | 0.62% | 0.00% | 0.73% |
| > 95.00% upto and including100.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 100.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
* Unless otherwise stated, LVRs reported in the table above will be based on quarterly data provided by RP Data using the hedonic index values as at the latest Property Index available to the Trust Manager on each
Determination Date falling in March, June, September and December.
Mortgage Pool by Consolidated Loan Balance
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
|---|---|---|---|---|
| upto and including $100,000 | 17.05% | 19.94% | 3.49% | 3.74% |
| >$100,000 upto and including $200,000 | 24.86% | 23.68% | 13.22% | 12.82% |
| >$200,000 upto and including $300,000 | 22.25% | 21.18% | 19.26% | 18.81% |
| >$300,000 upto and including $400,000 | 15.32% | 14.02% | 18.11% | 16.86% |
| >$400,000 upto and including $500,000 | 7.80% | 8.10% | 11.92% | 12.50% |
| >$500,000 upto and including $600,000 | 4.34% | 5.30% | 8.19% | 10.16% |
| >$600,000 upto and including $700,000 | 3.47% | 3.12% | 7.66% | 7.03% |
| >$700,000 upto and including $800,000 | 1.45% | 1.25% | 3.81% | 3.34% |
| >$800,000 upto and including $900,000 | 0.87% | 0.62% | 2.62% | 1.88% |
| >$900,000 upto and including $1.00m | 0.29% | 0.00% | 0.96% | 0.00% |
| >$1.00m upto and including $1.25m | 1.16% | 1.56% | 4.67% | 6.21% |
| >$1.25m upto and including $1.50m | 0.87% | 0.93% | 4.13% | 4.50% |
| >$1.50m upto and including $1.75m | 0.00% | 0.00% | 0.00% | 0.00% |
| >$1.75m upto and including $2.00m | 0.29% | 0.31% | 1.96% | 2.15% |
| >$2.00m | 0.00% | 0.00% | 0.00% | 0.00% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
Page 9 of 12
| Mortgage Pool by Geographic Distribution | Mortgage Pool by Geographic Distribution | Mortgage Pool by Geographic Distribution | Mortgage Pool by Geographic Distribution | Mortgage Pool by Geographic Distribution |
|---|---|---|---|---|
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
||||
| NSW / ACT | 32.68% | 33.42% | 35.88% | 34.58% |
| VIC | 27.03% | 26.47% | 33.10% | 34.25% |
| TAS | 3.69% | 4.01% | 1.17% | 1.14% |
| QLD | 12.29% | 12.83% | 9.47% | 10.19% |
| SA | 9.34% | 8.56% | 6.50% | 5.99% |
| WA | 14.50% | 14.17% | 13.80% | 13.77% |
| NT | 0.49% | 0.53% | 0.09% | 0.08% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
Mortgage Pool by Region
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
|---|---|---|---|---|
| Metro | 75.18% | 74.60% | 83.98% | 84.26% |
| Non Metro | 24.82% | 25.40% | 16.02% | 15.74% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
| Mortgage Pool by State and Region | ||||
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
||||
| NSW / ACT - Metro | 25.55% | 25.67% | 30.90% | 29.33% |
| NSW / ACT - Non Metro | 7.13% | 7.75% | 4.97% | 5.25% |
| VIC - Metro | 21.87% | 21.93% | 30.67% | 32.60% |
| VIC - Non Metro | 5.16% | 4.55% | 2.43% | 1.65% |
| TAS - Metro | 1.72% | 1.87% | 0.60% | 0.55% |
| TAS - Non Metro | 1.97% | 2.14% | 0.57% | 0.59% |
| QLD - Metro | 7.62% | 7.75% | 5.52% | 5.90% |
| QLD - Non Metro | 4.67% | 5.08% | 3.95% | 4.29% |
| SA - Metro | 6.88% | 5.88% | 4.91% | 4.24% |
| SA - Non Metro | 2.46% | 2.67% | 1.59% | 1.74% |
| WA - Metro | 11.55% | 11.50% | 11.37% | 11.63% |
| WA - Non Metro | 2.95% | 2.67% | 2.43% | 2.14% |
| NT - Metro | 0.00% | 0.00% | 0.00% | 0.00% |
| NT - Non Metro | 0.49% | 0.53% | 0.09% | 0.08% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
Mortgage Pool by Occupancy Status
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
|---|---|---|---|---|
| Owner Occupied(Full Recourse) | 74.94% | 74.33% | 74.21% | 74.11% |
| Residential Investment(Full Recourse) | 25.06% | 25.67% | 25.79% | 25.89% |
| Residential Investment(Limited Recourse) | 0.00% | 0.00% | 0.00% | 0.00% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
| Mortgage Pool by Documentation Type | ||||
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
||||
| Full Doc Loans | 100.00% | 100.00% | 100.00% | 100.00% |
| Low Doc Loans | 0.00% | 0.00% | 0.00% | 0.00% |
| No Doc Loans | 0.00% | 0.00% | 0.00% | 0.00% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
| Mortgage Pool by Payment Type | ||||
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
||||
| P&I | 85.75% | 87.97% | 74.24% | 76.35% |
| Interest Only | 14.25% | 12.03% | 25.76% | 23.65% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
Mortgage Pool by Remaining Interest Only Period
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
|---|---|---|---|---|
| AmortisingLoans | 85.75% | 87.97% | 74.24% | 76.35% |
| Interest OnlyLoans : > 0 upto and including1years | 5.90% | 6.15% | 8.09% | 14.55% |
| Interest OnlyLoans : > 1 upto and including2years | 4.42% | 3.48% | 11.41% | 4.72% |
| Interest OnlyLoans : > 2 upto and including3years | 2.21% | 1.60% | 2.56% | 2.50% |
| Interest OnlyLoans : > 3 upto and including4years | 0.74% | 0.27% | 1.75% | 0.82% |
| Interest OnlyLoans : > 4 upto and including5years | 0.98% | 0.53% | 1.96% | 1.06% |
| Interest OnlyLoans : > 5 upto and including6years | 0.00% | 0.00% | 0.00% | 0.00% |
| Interest OnlyLoans : > 6 upto and including7years | 0.00% | 0.00% | 0.00% | 0.00% |
| Interest OnlyLoans : > 7 upto and including8years | 0.00% | 0.00% | 0.00% | 0.00% |
| Interest OnlyLoans : > 8 upto and including9years | 0.00% | 0.00% | 0.00% | 0.00% |
| Interest OnlyLoans : > 9 upto and including10years | 0.00% | 0.00% | 0.00% | 0.00% |
| Interest OnlyLoans : > 10years | 0.00% | 0.00% | 0.00% | 0.00% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
Page 10 of 12
Mortgage Pool by Mortgage Loan Interest Rate
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
|---|---|---|---|---|
| upto and including3.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 3.00% upto and including3.25% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 3.25% upto and including3.50% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 3.50% upto and including3.75% | 0.49% | 1.34% | 0.59% | 1.11% |
| > 3.75% upto and including4.00% | 3.19% | 5.35% | 6.58% | 9.54% |
| > 4.00% upto and including4.25% | 12.29% | 12.30% | 19.37% | 18.51% |
| > 4.25% upto and including4.50% | 29.98% | 28.61% | 31.76% | 30.42% |
| > 4.50% upto and including4.75% | 42.01% | 37.97% | 33.36% | 29.24% |
| > 4.75% upto and including5.00% | 2.46% | 6.68% | 2.64% | 6.97% |
| > 5.00% upto and including5.25% | 9.34% | 7.49% | 5.62% | 4.13% |
| > 5.25% upto and including5.50% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 5.50% upto and including5.75% | 0.25% | 0.27% | 0.08% | 0.08% |
| > 5.75% upto and including6.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 6.00% upto and including6.25% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 6.25% upto and including6.50% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 6.50% upto and including6.75% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 6.75% upto and including7.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 7.00% upto and including7.25% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 7.25% upto and including7.50% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 7.50% upto and including7.75% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 7.75% upto and including8.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 8.00% upto and including8.25% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 8.25% upto and including8.50% | 0.00% | 0.00% | 0.00% | 0.00% |
| > 8.50% | 0.00% | 0.00% | 0.00% | 0.00% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
Mortgage Pool by Interest Option
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
|---|---|---|---|---|
| <= 1 Year Fixed | 2.95% | 1.60% | 2.86% | 1.92% |
| <= 2 Year Fixed | 1.47% | 2.94% | 1.03% | 2.02% |
| <= 3 Year Fixed | 0.49% | 0.80% | 0.39% | 0.82% |
| <= 4 Year Fixed | 0.25% | 0.00% | 0.39% | 0.00% |
| <= 5 Year Fixed | 0.00% | 0.00% | 0.00% | 0.00% |
| > 5 Year Fixed | 0.00% | 0.00% | 0.00% | 0.00% |
| Total Fixed Rate | 5.16% | 5.35% | 4.67% | 4.76% |
| Total Variable Rate | 94.84% | 94.65% | 95.33% | 95.24% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
Mortgage Pool by Loan Purpose
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
|---|---|---|---|---|
| Alterations to existingdwelling | 3.44% | 3.48% | 2.22% | 2.28% |
| Business / Commercial / Investment | 0.00% | 0.00% | 0.00% | 0.00% |
| Construction of a dwelling (construction completed) | 2.70% | 2.94% | 3.73% | 4.05% |
| Purchase of established dwelling | 24.32% | 24.60% | 26.68% | 27.24% |
| Purchase of new erected dwelling | 4.42% | 4.55% | 3.32% | 3.43% |
| Refinancingexistingdebt from another lender | 15.23% | 15.78% | 14.44% | 15.19% |
| Refinancingexistingdebt with ANZ | 26.78% | 25.67% | 28.66% | 27.23% |
| Other | 23.10% | 22.99% | 20.95% | 20.59% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
Mortgage Pool by Loan Seasoning
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
|---|---|---|---|---|
| upto and including3 months | 0.00% | 0.00% | 0.00% | 0.00% |
| > 3 upto and including6 months | 0.00% | 0.00% | 0.00% | 0.00% |
| > 6 upto and including9 months | 0.00% | 0.00% | 0.00% | 0.00% |
| > 9 upto and including12 months | 0.00% | 0.00% | 0.00% | 0.00% |
| > 12 upto and including15 months | 1.72% | 0.00% | 2.36% | 0.00% |
| > 15 upto and including18 months | 1.97% | 1.07% | 1.66% | 1.96% |
| > 18 upto and including21 months | 1.23% | 2.14% | 1.19% | 1.99% |
| > 21 upto and including24 months | 1.72% | 1.34% | 1.97% | 1.38% |
| > 24 upto and including27 months | 0.74% | 1.34% | 0.55% | 0.91% |
| > 27 upto and including30 months | 14.00% | 1.34% | 8.70% | 1.59% |
| > 30 upto and including33 months | 12.53% | 7.22% | 9.61% | 4.13% |
| > 33 upto and including36 months | 7.13% | 12.03% | 3.52% | 9.02% |
| > 36 upto and including48 months | 30.71% | 35.03% | 38.10% | 23.65% |
| > 48 upto and including60 months | 17.69% | 19.25% | 17.57% | 31.72% |
| > 60 upto and including72 months | 8.35% | 15.51% | 11.45% | 17.74% |
| > 72 upto and including84 months | 1.47% | 2.14% | 2.35% | 3.62% |
| > 84 upto and including96 months | 0.49% | 1.07% | 0.78% | 1.84% |
| > 96 upto and including108 months | 0.25% | 0.53% | 0.19% | 0.47% |
| > 108 upto and including120 months | 0.00% | 0.00% | 0.00% | 0.00% |
| > 120 months | 0.00% | 0.00% | 0.00% | 0.00% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
Page 11 of 12
| Mortgage Pool by Remaining Tenor | Mortgage Pool by Remaining Tenor | Mortgage Pool by Remaining Tenor | Mortgage Pool by Remaining Tenor | Mortgage Pool by Remaining Tenor |
|---|---|---|---|---|
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
||||
| upto and including1year | 0.00% | 0.00% | 0.00% | 0.00% |
| > 1 upto and including2years | 0.49% | 0.53% | 0.03% | 0.03% |
| > 2 upto and including3years | 0.49% | 0.27% | 0.02% | 0.01% |
| > 3 upto and including4years | 0.49% | 0.53% | 0.04% | 0.04% |
| > 4 upto and including5years | 0.25% | 0.27% | 0.02% | 0.02% |
| > 5 upto and including6years | 0.49% | 0.53% | 0.49% | 0.50% |
| > 6 upto and including7years | 0.25% | 1.07% | 0.01% | 0.26% |
| > 7 upto and including8years | 1.23% | 0.53% | 0.35% | 0.10% |
| > 8 upto and including9years | 0.25% | 0.00% | 0.01% | 0.00% |
| > 9 upto and including10years | 0.74% | 1.07% | 0.10% | 0.17% |
| > 10 upto and including15years | 1.97% | 1.87% | 0.64% | 0.92% |
| > 15 upto and including20years | 8.11% | 9.36% | 5.27% | 5.97% |
| > 20 upto and including25years | 24.08% | 27.54% | 29.05% | 34.19% |
| > 25 upto and including30years | 61.18% | 56.42% | 63.97% | 57.79% |
| > 30years | 0.00% | 0.00% | 0.00% | 0.00% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
Mortgage Pool by Delinquencies
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
|---|---|---|---|---|
| Current(0 days) | 97.79% | 95.19% | 97.70% | 93.96% |
| > 0 days upto and including30 days | 2.21% | 4.28% | 2.30% | 5.83% |
| > 30 days upto and including60 days | 0.00% | 0.53% | 0.00% | 0.21% |
| > 60 days upto and including90 days | 0.00% | 0.00% | 0.00% | 0.00% |
| > 90 days upto and including120 days | 0.00% | 0.00% | 0.00% | 0.00% |
| > 120 days upto and including150 days | 0.00% | 0.00% | 0.00% | 0.00% |
| > 150 days upto and including180 days | 0.00% | 0.00% | 0.00% | 0.00% |
| > 180 days | 0.00% | 0.00% | 0.00% | 0.00% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
| Aggregate Pool Losses and Insurance Claims | ||||
| Number of Loans Balance Outstanding |
||||
| Current Month | ||||
| Mortgagee in Possession | 0 | - $ |
||
| Current(gross)losspre-mortgage insurance | 0 | - $ |
||
| Claims on Insurers | 0 | - $ |
||
| Claimspending | 0 | - $ |
||
| Claimspaid | 0 | - $ |
||
| Claims reduced | 0 | - $ |
||
| Claims denied | 0 | - $ |
||
| Claims met byexcess income | 0 | - $ |
||
| Claims met byother means | 0 | - $ |
||
| Net Losses | 0 | - $ |
||
| Cumulative | ||||
| Mortgagee in Possession | 0 | - $ |
||
| Current(gross)losspre-mortgage insurance | 0 | - $ |
||
| Claims on Insurers | 0 | - $ |
||
| Claimspending | 0 | - $ |
||
| Claimspaid | 0 | - $ |
||
| Claims reduced | 0 | - $ |
||
| Claims denied | 0 | - $ |
||
| Claims met byexcess income | 0 | - $ |
||
| Claims met byother means | 0 | - $ |
||
| Net Losses | 0 | - $ |
Mortgage Pool by Payment Frequency
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
(%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
|---|---|---|---|---|
| Weekly | 22.60% | 22.73% | 15.68% | 15.89% |
| Fortnightly | 29.24% | 29.41% | 20.78% | 20.84% |
| Monthly | 48.16% | 47.86% | 63.54% | 63.27% |
| Other | 0.00% | 0.00% | 0.00% | 0.00% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
| Mortgage Pool by Mortgage Insurance | ||||
| (%) Number of Loans on Closing (%) Number of Loans on CPED (%) Balance Outstanding on Closing (%) Balance Outstanding on CPED |
||||
| ANZ Lenders Mortgage Insurance | 12.04% | 11.78% | 12.95% | 12.77% |
| QBE Lenders Mortgage Insurance | 0.00% | 0.00% | 0.00% | 0.00% |
| Genworth Mortgage Insurance CompanyPtyLtd | 0.00% | 0.00% | 0.00% | 0.00% |
| Other | 0.00% | 0.00% | 0.00% | 0.00% |
| No Lenders Mortgage Insurance | 87.96% | 88.22% | 87.05% | 87.23% |
| Total | 100.00% | 100.00% | 100.00% | 100.00% |
DISCLAIMER
European Union Capital Requirements Regulation retention of interest report for Kingfisher Trust 2016-1
Issue Date: 1 December 2016
As at the Closing Date, Australia and New Zealand Banking Group Limited retained an interest in randomly selected exposures equivalent to no less than 5% of the aggregate principal balance of the securitised exposures in accordance with Article 405(1)(c) of Regulation (EU) No 575/2013 of the European Parliament and Council (the “Capital Requirements Regulation”). Information about that retained interest as at the Collection Period End Date is set out above.
Each investor or prospective investor that is required to comply with the Capital Requirements Rules and similar requirements (including but not limited to Article 17 of the EU Alternative Investment Fund Managers Directive (Directive 2011/61/EU), as supplemented by Section 5 of Chapter III of Commission Delegated Regulation (EU) No 231/2013 and Article 135(2) of the European Union Solvency II Directive 2009/138/EC) is required to independently assess and determine the sufficiency of the information described in this report and in the Information Memorandum generally for the purposes of complying with the Capital Requirements and other similar regulations or directives relevant to that investor or prospective investor and none of the Trustee, Australia and New Zealand Banking Group Limited and each other party to a Transaction Document makes any representation that the information described in this report or in the Information Memorandum is sufficient in all circumstances for such purposes. Investors and prospective investors who are uncertain as to the requirements which apply to them in respect of their relevant jurisdiction, should seek guidance from their regulator.
Page 12 of 12
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