Industry Statistics

Market Share (Home Loans)

43% Mortgage Brokers

Source: Australian Mortgage Industry Volume 15, Fujitsu Consulting 28 March 2012

Housing Loan Commitments

On a seasonally adjusted basis the national value of housing loan commitments (owner occupation) in September 2012 was $13.885b, which fell 0.2% to October 2012's $13.863b. On a state basis, the respective statistics were:

  • NSW - $4.399b
  • VIC - $3.731b
  • QLD - $2.481b
  • SA - $738m
  • WA - $1.935b
  • TAS - $162m
  • NT - $125m
  • ACT - $247m

Source: ABS Housing Finance 5609.0 December 2012, Table 5609.07

First Home Buyers

The number of first home buyer commitments as a percentage of total owner occupied housing finance commitments fell 0.7% from 19.4% in September 2012 to 18.7% in October 2012.

Source: ABS Housing Finance 5609.0 December 2012

Average Home Loan

The average loan size for all owner occupied housing commitments fell from $300,200 to $298,900 between Septermber 2012 and October 2012.

Average loans in each state/territory were (excluding refinancing):

  • NSW - $331,900
  • VIC - $299,600
  • QLD - $281,600
  • SA - $243,400
  • WA - $283,500
  • TAS - $205,500
  • NT - $317,400
  • ACT - $352,700

Source: ABS Housing Finance 5609.0 December 2012, Table 5609.010c

Fixed Rates

Fixed rate loans were 13.7% of all owner occupier loans in September 2012, which fell to 13.5% in October 2012.

Source: ABS Housing Finance 5609.0 December 2012, Table 5609.09a

Outstanding Housing Loan Balances

At the end of September 2012, the value of outstanding housing loans financed by authorised deposit-taking institutions was 1.286b, up from June 2012's 1.276b closing balance.

Source: ABS Housing Finance 5609.0 December 2012, Table 5609.12

Non Performing Loans

Australian banks have one of the lowest non-performing loans ratios of all 97 surveyed economies. There was, however a slight rise in non-performing loans from 0.8 in June 2011 from 0.7 in December 2010. Non-performing loans are 90+ days past due.

Source: RBA September 2011

Business Finance

The seasonally adjusted series for the value of total commercial finance committments rose 6.9% from $27,698m in August 2012 to $29,605m in September 2012.

Break up of results of original figures for September 2012:

Commercial (fixed) $19.809b
Construction finance $1.141b
Purchase of Real Property $7.946b
Wholesale finance $1.725b
Purchase of Plant & Equipment $2.047b
Refinancing $2.020b
Other $4.931b

Leasing $585.600m
Plant & Equipment $242.701m
Motor Vehicles $290.311m

Source: ABS Lending Finance 5671.0 November 2012, Tables 5671.02, 5671.06, 5671.010, 5671.012 and 5671.027

Statistical Resources

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