Mortgage Brokers in Australia - Market Research Report

Mortgage Brokers industry trends (2014-2019)

poll Average industry growth 2014–2019: 3.2%

Buying a home is one of the most important financial decisions many individuals will make in their lifetime, and usually requires a substantial loan. Consequently, many borrowers consult experts to help them navigate the complex range of loan products available. The Mortgage Brokers industry has only existed since the early 1990s. Mortgage brokers have since grown to be providers of comprehensive, convenient and unbiased advice to clients. As brokers represent a panel of lenders, they can offer customers a range of products and tailor mortgages to specific needs. While mortgage aggregator websites allow clients to easily compare features and interest rates across many mortgages, mortgage brokers consider the unique financial position of each client a...
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Mortgage Brokers industry outlook (2019-2024)

poll Average industry growth 2019-2024: x.xlockPurchase this report or a membership to unlock the average company profit margin for this industry.

The Mortgage Brokers industry is anticipated to grow over the next five years. Although the share of mortgages taken out through brokers is forecast to continue growing, housing loan rates will likely rise and deter property investors from entering the market. However, more first homebuyers acquiring property is anticipated to partially offset this trend. Overall, industry revenue is projected to increase at an annualised X.X% over the five years through XXX-XX, to total $X.X billion. Industry threats Australia's major lending institutions are limiting domestic residential property loans to foreign borrowers, representing a threat to the industry. Over the past five years, the big four commercial banks and other financial institutions, including Ma...
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Mortgage Brokers industry statistics

  • attach_money Market Size: $2bn
  • business Number of Businesses: 7,697
  • poll Average Industry Profit Margin: x.x%
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  • supervisor_account Industry Employment: 17,913

Biggest companies in the Mortgage Brokers industry

The companies holding the largest market share in the Mortgage Brokers in Australia industry include Australian Finance Group Ltd, Commonwealth Bank of Australia and Mortgage Choice Limited.

  • pie_chart Australian Finance Group Ltd Market Share: x.x%
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  • pie_chart Commonwealth Bank of Australia Market Share: x.x%
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  • pie_chart Mortgage Choice Limited Market Share: x.x%
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What is Mortgage Brokers industry?

Industry Definition

Mortgage brokers in Australia generally act on behalf of lenders, primarily helping borrowers arrange mortgage finance (for both residential and investment real estate purposes) and refinance existing mortgages. Brokers do not usually charge mortgagees any fee for their services, and instead receive commissions on loans arranged for lenders.

Industry Products and Services

  • Residential owner-occupier loans
  • Residential owner-occupier refinancing loans
  • Residential investment loans
  • Commercial loans
  • Personal loans
  • Other products

Industry Activities

  • Brokering housing loans
  • Assisting borrowers to choose products provided by lenders
  • Assisting borrowers in the loan application process

Market research report - table of contents

Industry Definition

Mortgage brokers in Australia generally act on behalf of lenders, primarily helping borrowers arrange mortgage finance (for both residential and investment real estate purposes) and refinance existing mortgages. Brokers do not usually charge mortgagees any fee for their services, and instead receive commissions on loans arranged for lenders.

Main Activities

  • Brokering housing loans
  • Assisting borrowers to choose products provided by lenders
  • Assisting borrowers in the loan application process

Similar Industries

Additional Resources

Industry Statistics Snapshot

Industry Structure

Executive Summary

Key External Drivers

Residential housing loan rates affect demand for the mortgage products brokered by industry participants. When the loan rate (cost of borrowing) decreases...
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Residential housing loan rates
Real household disposable income
Number of housing transfers
Residential housing prices

Current Performance

Borrowers seeking brokers
Financial Services Royal Commission
 Chart: Revenue Growth

Industry Outlook

Regulatory hurdles
Competition
 Table: Mortgage Brokers in Australia - Market Research Report Industry Revenue Outlook

Industry Life Cycle

Life Cycle Reasons
 Chart: Benchmarking - Mortgage Brokers in Australia - Market Research Report Industry Lifecycle vs The Economy

Supply Chain

Key Buying Industries

Consumers






Key Selling Industries

Building Societies in Australia
Credit Unions in Australia
National and Regional Commercial Banks in Australia
Foreign Banks in Australia



Products & Services

While loan products are largely homogeneous and the range of available products has not changed greatly over the past five years, some brokers have expand...
Owner-occupiers
First-home buyers
Commercial borrowers
Other markets


Demand Determinants

Demand for housing finance and the competitiveness of products offered compared with the rest of the market determine demand for mortgage broking services...
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Major Markets

Owner-occupiers
First-home buyers
Commercial borrowers
Other markets



 Chart: Major Market Segmentation for the Mortgage Brokers in Australia - Market Research Report Industry

International Trade

Business Locations

Chart: Business Locations by State Chart: Business Locations by State

Market Share Concentration

The Mortgage Brokers industry is characterised moderate low market share concentration, with the three largest players accounting for approximately 41.2% ...
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Key Success Factors

Cost Structure Benchmarks

Profit, Purchases, Wages, Other Costs
 Chart: Cost Structure Benchmarking – Sector vs Mortgage Brokers in Australia - Market Research Report

Basis of Competition

Internal competition
External competition

Barriers to Entry

 Table: Barriers to Entry Checklist for the Mortgage Brokers in Australia - Market Research Report Industry

Industry Globalization

Australian Finance Group Ltd (AFG) is an Australian-owned financial services firm operating in mortgage and loan wholesaling. The group was established in...
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Australian Finance Group

 Table: Australian Finance Group - financial performance

Commonwealth Bank

 Table: Commonwealth Bank - financial performance

Mortgage Choice

 Table: Mortgage Choice - financial performance

Capital Intensity

The Mortgage Brokers industry exhibits low capital intensity. For every dollar paid as wages, an estimated $0.03 is spent on capital investment. Mortgage ...
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 Chart: Level of Capital Intensity for the Mortgage Brokers in Australia - Market Research Report Industry
 Chart: Tools of the Trade: Growth Strategies for Success

Technology & Systems

Revenue Volatility

Chart: Volatility vs Industry Growth Chart: Volatility vs Industry Growth

Regulation & Policy

Industry Assistance

Table: Industry data Table: Industry Data for the Mortgage Brokers in Australia Industry

Industry Revenue (2007-2026)
Industry Gross Product (2007-2026)
Establishments (2007-2026)
Businesses (2007-2026)
Employment (2007-2026)
Exports (2007-2026)
Imports (2007-2026)
Wages (2007-2026)
Domestic Demand (2007-2026)

Table: Annual Percentage Change for Key Industry Data Table: Annual Percentage Change for Key Industry Data

Table: Key Ratios for Industry Key Dat Table: Key Ratios for Industry Key Data

Table: Industry Financial Ratios Table: Industry Financial Ratios

Liquidity Ratios
Coverage Ratios
Leverage Ratios
Operating Ratios
Cash Flow & Debt Service Ratios (% of Sales)
Assets, %
Liabilities, %

LOAN-TO-VALUE RATIO

MORTGAGE AGGREGATOR

REGULATORY GUIDE 146 (RG146)

TRAILING COMMISSION

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Included in Report

  • Industry Financial Ratios
    Industry Financial Ratios
  • Revenue Forecasts
    Revenue Forecasts
  • Historical and Forecast Growth
    Historical and Forecast Growth
  • Industry Market Size
    Industry Market Size
  • Industry Major Players
    Industry Major Players
  • Profitability Analysis
    Profitability Analysis
  • SWOT Analysis
    SWOT Analysis
  • Industry Trends
    Industry Trends
  • Industry Operating Conditions
    Industry Operating Conditions
  • Porter's 5 Forces Analysis
    Porter's 5 Forces Analysis

Why buy this report on the Mortgage Brokers industry?

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This report on Mortgage Brokers in Australia:

  • Provides Market Size information to assist with planning and strategic decisions.
  • Includes the necessary information to perform SWOT, PEST and STEER analysis.
  • Helps you understand market dynamics to give you a deeper understanding of industry competition and the supply chain.
  • Analyses key performance and operational metrics so that you can benchmark against your own business, that of your customers’ businesses, or your competitors’ businesses.

The Mortgage Brokers in Australia market research report includes:

  • Historical data and analysis for the key drivers of this industry
  • A five-year forecast of the market and noted trends
  • Detailed research and segmentation for the main products and markets
  • An assessment of the competitive landscape and market shares for major companies
  • And of course, much more

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