Australian Housing Dynamics and Affordability
1.
2.
3.
AUSTRALIA HOME LOANS
PORTFOLIO GROWTH
HOME LOAN COMPOSITION1,2
$b
256
264
271
272
269
265
10
9
9
43
54
49
54
N∞
8
7
37
31
26
14
17
22
29
33
54
38
88
49
49
52
39
44
44
33
33
156
161
164
134
146
121
Mar-17
Sep-17
Mar-18
Sep-18
Mar-19
Sep-19
OO P&I
Inv P&I
OO I/O
Inv I/O
Equity Manager
Includes Equity Manager
LOAN BALANCE & LENDING FLOWS¹
$b
16
29
272
-2
265
-50
Sep-18
New Sales
exc Refi-In
Net OFI Refi
Redraw &
Interest
Repay / Other Sep-19
ANZ MORTGAGE LENDING PORTFOLIO CHANGE
FY19 v FY18
Housing Portfolio
Owner Occupied³
-1%
Investor
-7%
FY19 v FY18
Principal & interest³
Interest only
Housing Portfolio
6%
-33%
Includes Non Performing Loans
The current classification of Investor vs Owner Occupier is based on ANZ's product category, determined at origination as advised by the customer and the ongoing precision relies primarily on the customer's obligation to advise
ANZ of any change in circumstances
ANZ
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