Reverse Mortgage Providers in Australia - Market Research Report

Reverse Mortgage Providers industry trends (2014-2019)

poll Average industry growth 2014–2019: 1.4%

Revenue growth for the Reverse Mortgage Providers industry has slowed over the past five years. This has mainly been due to falling cash rates, with most reverse mortgages being issued on a variable interest rate. Several operators resumed issuing new reverse mortgages at the start of the five-year period, but some have ceased new lending or exited the industry during this time. Industry revenue is expected to rise at an annualised 0.6% over the five years through 2019-20, to $298.3 million. Revenue is projected to rise at a slower rate of 0.5% in the current year, due to declining cash rates and the Commonwealth Bank of Australia (CBA) withdrawing from issuing new reverse mortgages. Currently, industry services are offered by non-bank providers. Au...
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Reverse Mortgage Providers 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.

Reverse Mortgage Providers industry operators will face a more positive environment over the next five years, primarily due to the forecast rise in the cash rate and higher demand for industry products. Revenue is forecast to grow at an annualised X.X% over the five years through XXX-XX, to $XX.X million. As the population aged XX and over increases, and their knowledge of reverse mortgages grows, demand for industry services is anticipated to rise. Despite the forecast rise in the cash rate boosting interest revenue for industry operators, this trend is also likely to raise the cost of funding for lenders. However, industry profitability is still anticipated to rise over the next five years as operators increase interest rates across their lending p...
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Reverse Mortgage Providers industry statistics

  • business Number of Businesses: 2,056
  • poll Average Industry Profit Margin: x.x%
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  • supervisor_account Industry Employment: 256

Biggest companies in the Reverse Mortgage Providers industry

The companies holding the largest market share in the Reverse Mortgage Providers in Australia industry include Commonwealth Bank of Australia, Westpac Banking Corporation, Heartland Australia Holdings Pty Limited and Macquarie Group Limited.

  • pie_chart Commonwealth Bank of Australia Market Share: x.x%
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  • pie_chart Westpac Banking Corporation Market Share: x.x%
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  • pie_chart Heartland Australia Holdings Pty Limited Market Share: x.x%
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  • pie_chart Macquarie Group Limited Market Share: x.x%
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What is Reverse Mortgage Providers industry?

Industry Definition

Companies in the industry provide reverse mortgages, which are loans available to seniors that are used to release the equity in a property, typically as a lump sum, income stream or a line of credit.

Industry Products and Services

  • Lump-sum loans
  • Progressive drawdown
  • Lump sum and income stream
  • Line of credit
  • Other

Industry Activities

  • Reverse mortgage lending
  • Reverse mortgage origination
  • Reverse mortgage servicing

Market research report - table of contents

Industry Definition

Companies in the industry provide reverse mortgages, which are loans available to seniors that are used to release the equity in a property, typically as a lump sum, income stream or a line of credit.

Main Activities

  • Reverse mortgage lending
  • Reverse mortgage origination
  • Reverse mortgage servicing

Similar Industries

Additional Resources

Industry Statistics Snapshot

Industry Structure

Executive Summary

Key External Drivers

As the maximum value of a loan issued is determined by the loan-to-value ratio, the higher the value of the residential property, the greater the amount t...
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Residential housing prices
Population aged 70 and older
Residential housing loan rates
10-year bond rate

Current Performance

Falling interest
Demand fundamentals
ASIC review
 Chart: Revenue Growth

Industry Outlook

House prices
Distribution channels
Pension Loans Scheme
 Table: Reverse Mortgage Providers in Australia - Market Research Report Industry Revenue Outlook

Industry Life Cycle

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

Supply Chain

Key Buying Industries

Mortgage Brokers in Australia
Financial Planning and Investment Advice in Australia
Consumers




Key Selling Industries

Legal Services in Australia
Finance in Australia





Products & Services

While industry operators essentially offer a similar type of product, consumers are able to choose the manner in which they draw funds from a reverse mort...
Consumers aged 60-69
Consumers aged 80 and over




Demand Determinants

There are several factors affecting demand for reverse mortgages. Changes in interest rates, consumer preferences and residential housing prices influence...
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Major Markets

Consumers aged 60-69
Consumers aged 80 and over





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

International Trade

Business Locations

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

Market Share Concentration

The Reverse Mortgage Providers industry is characterised by a high level of market share concentration. The four largest players in the industry are estim...
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Key Success Factors

Cost Structure Benchmarks

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

Basis of Competition

Internal competition
External competition

Barriers to Entry

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

Industry Globalization

The Commonwealth Bank of Australia (CBA) is one of the largest commercial banks in Australia. Established in 1911 as Australia's first government bank, th...
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Commonwealth Bank

 Table: Commonwealth Bank - financial performance

Westpac

 Table: Westpac - financial performance

Heartland Australia Holdings

 Table: Heartland Australia Holdings - financial performance

Macquarie Group

 Table: Macquarie Group - financial performance

Capital Intensity

The Reverse Mortgage Providers industry is characterised by a low level of capital intensity. For every dollar paid as wages, an estimated $0.07 is spent ...
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 Chart: Level of Capital Intensity for the Reverse Mortgage Providers 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 Reverse Mortgage Providers 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, %

ADI

NEGATIVE EQUITY

REVERSE MORTGAGE

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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 Reverse Mortgage Providers industry?

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This report on Reverse Mortgage Providers 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 Reverse Mortgage Providers 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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