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TOTAL
NUMBER
TOTAL
AMOUNT
AVERAGE
SIZE
PROPERTY
INVESTORS
FIRST TIME
BUYERS
%
REFINANCE
Oct 11
Nov 11
Dec 11
Jan 12
Feb 12
Mar 12
Apr 12
May 12
June 12
July 12
Aug 12
Sept 12
Oct 12
Nov 12
Dec 12
6,349
7,492
5,576
4,736
7,000
7,254
5,937
7,635
6,690
7,027
7,730
6,882
7,719
7,831
5,912
$2,509 m
$2,970 m
$2,188 m
$1,824 m
$2,806 m
$2,930 m
$2,275 m
$3,005 m
$2,635 m
$2,732 m
$3,071 m
$2,708 m
$3,103 m
$3,094 m
$2,376 m
$395k
$396k
$392k
$385k
$400k
$404k
$383k
$393k
$393k
$388k
$397k
$393k
$402k
$395k
$402k
35.6%
38.4%
37.8%
35.9%
36.5%
35.5%
35.2%
37.1%
37.0%
35.2%
36.4%
35.5%
35.8%
33.9%
38.0%
16.4%
15.8%
15.7%
15.8%
14.9%
15.6%
15.8%
15.8%
15.6%
17.3%
15.9%
13.2%
15.4%
12.9%
12.5%
37.9%
37.8%
36.2%
37.3%
36.6%
37.6%
36.2%
35.8%
39.1%
36.9%
35.4%
35.2%
34.8%
34.9%
36.3%
MONTH
MAJOR
NONMAJOR
MAJOR
NONMAJOR
FIRST HOME
BUYERS
MAJOR
NONMAJOR
2011 11
2011 12
2012 01
2012 02
2012 03
2012 04
2012 05
2012 06
2012 07
2012 08
2012 09
2012 10
2012 11
2012 12
80.4%
75.7%
79.0%
76.1%
77.1%
78.4%
77.4%
77.2%
77.6%
77.8%
76.0%
77.1%
78.4%
77.4%
19.6%
24.3%
21.0%
23.9%
22.9%
21.6%
22.6%
22.8%
22.4%
22.2%
24.0%
22.9%
21.6%
22.6%
78.9%
71.2%
78.9%
78.7%
78.2%
76.0%
77.6%
77.1%
73.3%
75.9%
75.2%
73.7%
74.0%
74.0%
21.0%
28.8%
21.1%
21.3%
21.8%
24.0%
22.4%
22.9%
26.7%
24.1%
24.8%
26.3%
26.0%
26.0%
71.3%
71.7%
72.6%
70.9%
70.1%
71.4%
67.0%
73.5%
75.1%
74.6%
74.3%
71.7%
74.9%
77.6%
TOTAL MORTGAGES
REFINANCE
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28.7%
28.3%
27.4%
29.1%
29.9%
28.6%
33.0%
26.5%
24.9%
25.4%
25.7%
28.3%
25.1%
22.4%
INVESTORS
MAJOR
NONMAJOR
82.6%
78.0%
83.1%
82.9%
82.7%
82.8%
82.6%
82.4%
82.0%
81.8%
81.3%
80.9%
80.8%
80.7%
17.4%
21.9%
16.9%
17.7%
17.3%
17.2%
17.4%
17.6%
18.0%
18.2%
18.7%
19.1%
19.2%
19.3%
AUSTRALIA
395,226
396,520
392,559
385,337
400,864
404,003
383,252
393,608
393,913
388,919
397,303
393,625
402,120
395,149
402,060
NSW
447,144
449,942
450,620
437,476
471,690
476,278
438,067
471.848
470,804
441,236
476,061
454,687
478,148
473,172
471,157
QLD
358,142
352,252
361,439
351,966
339,361
352,485
340,197
346,883
348,646
343,672
348,579
347,953
347,026
348,444
340,237
SA
329,566
318,437
325,937
312,596
317,469
333,712
314,486
313,056
303,657
314,866
325,877
304,005
320,793
315,773
310,840
VIC
396,238
400,929
376,570
389,634
409,651
397,739
384,380
379,130
381,493
399,317
385,407
380,811
396,997
379,949
392,193
WA
406,019
418,360
409,917
406,222
421,297
418,589
403,784
412,752
409,099
396,215
402,290
419,076
412,952
403,944
431,685
NT
369,765
376,376
395,489
374,604
382,027
346,622
359,067
345,645
390,389
415,627
373,628
412,581
375,339
365,993
426,906
WA
67.1%
68.7%
69.9%
70.2%
69.8%
69.5%
69.3%
70.7%
70.1%
68.2%
70.7%
73.6%
71.6%
70.8%
NT
64.3%
66.1%
70.9%
66.7%
65.6%
69.8%
68.9%
64.6%
64.6%
66.8%
68.6%
67.1%
64.4%
69.1%
2011 11
2011 12
2012 01
2012 02
2012 03
2012 04
2012 05
2012 06
2012 07
2012 08
2012 09
2012 10
2012 11
2012 12
AUSTRALIA
66.5%
67.5%
68.9%
67.7%
67.6%
67.8%
67.5%
66.9%
67.7%
68.6%
69.0%
70.5%
69.0%
68.5%
NSW
69.7%
69.6%
67.9%
66.7%
67.5%
65.4%
66.1%
67.2%
67.3%
69.1%
68.0%
69.3%
67.5%
66.7%
QLD
66.9%
68.4%
66.3%
68.1%
67.4%
66.2%
65.8%
65.3%
68.5%
67.8%
68.6%
70.5%
68.3%
68.1%
SA
64.5%
67.7%
67.6%
66.4%
66.2%
67.5%
66.1%
65.3%
65.7%
69.7%
69.2%
70.1%
72.1%
66.9%
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VIC
66.6%
64.7%
70.8%
68.0%
69.1%
68.1%
68.6%
68.3%
69.7%
70.1%
69.3%
72.4%
69.8%
69.2%
.LOAN
T YPE
BASIC
8.9%
9.4%
10.7%
9.7%
8.8%
10.6%
10.3%
10.5%
10.9%
9.2%
9.0%
9.5%
8.7%
9.1%
EQUITY
7.2%
7.3%
7.5%
6.6%
6.7%
7.4%
8.0%
7.6%
7.5%
6.8%
6.6%
5.9%
5.7%
6.3%
FIXED
17.2%
19.2%
18.6%
23.2%
25.4%
21.0%
19.7%
16.5%
16.8%
19.9%
21.5%
20.8%
21.6%
18.7%
INTRO
3.5%
3.9%
3.8%
3.5%
3.6%
3.4%
3.1%
2.9%
5.4%
5.2%
5.7%
5.5%
4.8%
2.6%
STANDARD
63.1%
60.2%
59.4%
57.0%
55.4%
57.5%
58.9%
62.5%
59.3%
58.8%
57.2%
58.2%
59.2%
63.3%
DEFINITIONS
1. Standard Variable: includes the full range of features available.
2. Basic Variable: without some features, lower fees and rates.
3. Intro: also known as honeymoon where the borrower is offered a very cheap initial rate (fixed
or variable) before the loan reverts to a Standard Variable.
4. Fixed: interest rate is fixed for a nominated period before it reverts to a Standard Variable.
5. Equity: also known as line of credit allows the borrower to draw out money up to a specified
limit. Generally more expensive than Standard Variable loans.
NOTE TO EDITORS
AFG is Australias largest mortgage broker. Established in 1994, the company now provides more than
20% of brokers nationwide with access to Australias leading lending institutions, and has a mortgage
book in excess of $65 billion.
www.afgonline.com.au