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Mortgages in Australia: Market Research Report

Market Research • Market Size • Industry Statistics • Industry Analysis • Industry Trends

Mortgages Market Research Report | ANZSIC X0010 | May 2016

Unfixed: Cuts to the cash rate cause revenue to decline, despite growing mortgage portfolios

The Mortgages market research report provides key industry analysis and industry statistics, measures market size, analyzes current and future industry trends and shows market share for the industry’s largest companies. IBISWorld publishes the largest collection of industry reports so you can see an industry’s supply chain, economic drivers and key buyers and markets.

Report Snapshot
Industry Statistics & Market Size
Annual Growth 11-16
Annual Growth 16-21
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Industry Analysis & Industry Trends

The Mortgages industry plays a key role in the dream of home ownership for many people, and this is evident in the growing asset base of the overall industry. The beginning of the past five-year period was characterised by consumer deleveraging and low credit availability. However, as the government lowered the official cash rate and implemented numerous assistance programs to support growth in the residential housing market, these trends shifted. As a result, the value of mortgages issued by the industry has grown strongly over the past five years. New loan approvals declined in 2010-11, but have grown rapidly since then. In June 2015, approvals of new loans were 12.1% higher than in the previous year... purchase to read more

Industry Report - Industry SWOT Analysis Chapter

The Mortgages industry in Australia is in the mature stage of its life cycle. Industry value added (IVA), which measures the industry's contribution to the economy, is forecast to grow at an annualised 3.0% over the 10 years through 2020-21, while GDP is forecast to grow at 2.6% over the same period. This represents an outperformance of GDP, indicating the industry's contribution to the overall economy is increasing.

As the main source of financing to borrowers participating in the Australian real estate market, the industry has grown at a faster rate than the overall economy. The current housing boom and the rapid appreciation in the value of real estate has been a large reason for this growth... purchase to read more


Industry ProductsRelated ReportsTable of Contents

What is the Mortgages Industry?

This industry comprises the mortgage lending activities of authorised deposit-taking institutions (ADIs). ADIs include banks, building societies and credit unions. A mortgage is a loan secured by real property with features such as loan size, maturity, interest rate and payment method. Loan size depends mostly on the value of the securing property. Mortgages can be refinanced to reflect property revaluations. The industry does not include mortgage brokers.

Industry Products
Standard variable loansBasic variable loansFixed-rate loansLine of credit
Industry Activities
Mortgage originationMortgage refinancing

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