Australian Housing Dynamics and Affordability

AUSTRALIA HOME LOANS PORTFOLIO1,2 & FLOW³ COMPOSITION BY PURPOSE BY ORIGINATION LVR4 Portfolio Flow Flow 4% 3% 3% 1% 20% 18% 17% 26% 33% 32% 30% 19% 17% 16% 73% 63% 65% 67% Sep-17 Sep-18 Sep-19 FY19 Owner Occ Investor Equity 61% 65% 67% FY17 FY18 FY19 <80% LVR 80% LVR >80% LVR BY LOCATION BY CHANNEL Portfolio Flow 7% 6% 6% 6% $264b Portfolio $272b Flow $265b $67b 14% 13% 13% 9% $57b 14% 16% 16% 16% 49% 48% 44% 48% 45% $40b 31% 31% 32% 32% 47% 51% 52% 52% 56% 40% 55% 32% 33% 33% 53% Sep-17 Sep-18 Sep-19 FY19 Sep-17 Sep-18 Sep-19 FY17 FY18 FY19 VIC/TAS NSW/ACT QLD WA SA/NT Broker Proprietary 1. Includes Non Performing Loans. 2. 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 3. YTD unless noted 4. Includes capitalised LMI premiums ANZ 87

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