Market Release 20 April 2026 Market Announcements Office ASX Limited Exchange Centre 20 Bridge Street SYDNEY NSW 2000 Dear Sir/Madam AFG MORTGAGE INDEX – Q3 FY2026 Please see attached statement regarding AFG’s Mortgage Index for the third quarter of financial year 2026. Authorised for disclosure by: Michelle Palethorpe General Counsel and Company Secretary Australian Finance Group Ltd CONTACT DETAILS Alison Clarke, AFG Head of Corporate Communications Mob 0402 781 367 David Bailey, CEO Tel (08) 9420 7888 AFG Index Market Release April 2026 Australian Finance Group Ltd | Australian Credit Licence 389087 | ACN 066 385 822 AFG brokers lodge $29.5 billion in home loans in Q3 FY26 – the strongest March quarter on record 1 Australian Finance Group Ltd (ASX:AFG) has released its AFG Index for the third quarter of FY26, with AFG brokers lodging 40,784 mortgages valued at $29.54 billion. The result represents AFG’s strongest March quarter on record, an increase of 22.67% on the same period last year, underlining resilient borrower demand and the continued preference for mortgage brokers in a competitive lending market. AFG Chief Executive Officer David Bailey said the quarter’s results despite upward movements in the interest rate cycle, demonstrates that borrower demand remains high, with broker-led competition continuing to support choice across both major and non-major lenders. “In what is a seasonally quieter period due to holiday breaks, this was the strongest March quarter on record for AFG brokers and highlights the role brokers continue to play as trusted advisers in a dynamic lending market,” he said. All state activity is higher than the same period last year, but lower than Q2 26, in line with expectations around seasonal trends. New South Wales remained the largest market at $9.45 billion, followed by Victoria at $8.49 billion and Queensland with $5.46 billion. Western Australia recorded $4.19 billion, while South Australia delivered $1.94 billion and the Northern Territory recorded $23.2 million. Investor participation remained at 35% of flows, while first home buyer demand eased to 12%. Refinancing continued to taper, falling to its lowest ever level at 15% of lodgements, while upgrader activity lifted to 43%, the highest level of activity seen in four years. Average mortgage sizes were largely steady in Q3 FY26 across the major states, with New South Wales and Victoria continuing to record the highest average loan values of $807,607 and $706,949 respectively. Loan-to-value ratios dipped slightly, with the national average LVR sitting at 64%. Borrowers continued to favour variable-rate lending in Q3 FY26, with standard variable products representing 86.5% of lodgements. Fixed rate lodgements ticked up from 3.2 % to 5.4% but this was largely before the long-range rate outlook changed and fixed rates began to increase. The major banks and their associated brands accounted for 60% of total lodgements, with non- majors at 40%. Non-majors also maintained a 43% share of investment, and 39% of principal and interest volumes. In refinancing, non-majors captured 44% of flows, while remaining highly competitive in interest-only lending with a 44% share. AFG Securities, AFG’s proprietary lending business, maintained a solid share for the quarter, with $1.5 billion of lodgements, the second highest quarterly performance on record despite a seasonally slower period. “The result demonstrates the continued strength of our product portfolio,” stated Mr. Bailey. “AFG Securities lodgements for the quarter represent an increase of 79% compared to the same period last year.” This sustained momentum serves as a positive leading indicator for settlements in the final quarter of the year and has contributed to the AFG Securities loan book closing the quarter at a record $6.7 billion. For media enquiries, please contact Alison Clarke Head of Corporate Communications P (08) 9420 7014 | P 0402 781 367 afgonline.com.au 2 Our record RMBS issuances of $2.2 billion over the past 12 months, together with the successful rollover of all our warehouse facilities translates into a clear line of sight around the cost structures of our near-term funding which supports margin resilience and provides flexibility to access capital markets as conditions allow,” said Mr Bailey. “We recognise potential ongoing inflation risks for borrowers, but we are still seeing strong levels of lodgement activity across the network volumes,” said Mr Bailey. “This demand is being driven by continued wage growth and the resilience of household balance sheets.” “Importantly, demand for brokers has historically remained strong across cycles, reflecting the critical role they play in delivering better outcomes for their customers,” Mr Bailey concluded. -ends- 3 AFG Mortgages lodged Table 1 Fiscal Fiscal Quarter Lodge # Lodge Volume Avg Loan Inv % First Home Buyers % Refinance % Upgrader % Interest Only % Principal & Interest % 2016 3 27,275 $12,899,531,564 $472,943 33% 8% 38% 34% 48% 52% 2016 4 30,360 $14,492,569,632 $477,357 34% 7% 39% 33% 47% 53% 2017 1 31,572 $15,124,154,412 $479,037 32% 8% 38% 34% 46% 54% 2017 2 30,742 $14,979,398,027 $487,262 34% 9% 38% 32% 47% 53% 2017 3 29,038 $14,150,343,319 $487,304 32% 10% 35% 34% 44% 55% 2017 4 30,056 $14,551,070,209 $484,132 31% 10% 29% 39% 33% 67% 2018 1 30,471 $14,948,327,171 $490,576 29% 13% 25% 41% 19% 81% 2018 2 29,673 $14,813,114,159 $499,212 28% 13% 22% 44% 19% 81% 2018 3 27,723 $13,794,277,704 $497,575 28% 13% 23% 43% 20% 80% 2018 4 28,865 $14,542,901,956 $503,825 28% 13% 23% 43% 19% 81% 2019 1 27,869 $14,163,790,155 $508,227 27% 14% 24% 43% 19% 81% 2019 2 25,525 $12,967,945,442 $508,049 27% 13% 24% 43% 18% 81% 2019 3 23,035 $11,613,654,328 $504,174 26% 14% 25% 43% 19% 81% 2019 4 25,244 $12,977,940,620 $514,100 28% 14% 28% 39% 20% 80% 2020 1 29,141 $15,700,098,779 $538,763 26% 15% 28% 40% 18% 82% 2020 2 28,602 $15,368,708,504 $537,330 26% 15% 27% 41% 18% 82% 2020 3 28,335 $15,344,491,297 $541,538 25% 15% 30% 39% 17% 83% 2020 4 31,070 $16,853,561,725 $542,438 25% 15% 32% 38% 16% 84% 2021 1 35,442 $18,187,912,093 $513,174 21% 23% 23% 40% 14% 86% 2021 2 36,548 $19,837,527,015 $542,780 21% 22% 22% 42% 12% 88% 2021 3 35,831 $20,558,636,564 $573,767 23% 18% 23% 43% 14% 86% 2021 4 38,160 $22,638,426,110 $593,250 25% 14% 27% 42% 16% 84% 2022 1 40,098 $24,115,142,335 $601,405 27% 14% 26% 41% 17% 83% 2022 2 39,422 $24,602,349,728 $624,077 26% 13% 25% 43% 17% 83% 2022 3 35,691 $21,973,816,059 $615,668 26% 13% 24% 44% 17% 83% 2022 4 36,896 $22,530,982,126 $610,662 27% 11% 29% 42% 17% 83% 2023 1 36,156 $21,531,437,869 $595,515 27% 12% 29% 41% 18% 82% 2023 2 33,449 $20,074,377,882 $600,149 27% 11% 31% 39% 18% 82% 2023 3 32,444 $19,409,867,530 $598,258 28% 12% 31% 38% 17% 83% 2023 4 37,270 $22,437,575,557 $602,028 29% 11% 33% 37% 18% 82% 2024 1 34,517 $20,882,919,747 $605,004 30% 12% 30% 38% 19% 81% 2024 2 33,867 $21,132,159,361 $623,975 30% 12% 28% 38% 19% 80% 2024 3 32,318 $20,318,157,274 $628,695 31% 12% 27% 39% 19% 80% 2024 4 36,395 $23,314,816,089 $640,605 32% 12% 26% 39% 21% 79% 2025 1 37,202 $24,183,546,844 $650,060 32% 11% 26% 39% 21% 78% 2025 2 37,426 $25,235,764,797 $674,284 33% 11% 24% 40% 21% 79% 2025 3 35,686 $24,082,889,294 $674,855 33% 12% 20% 42% 20% 79% 2025 4 40,810 $27,682,783,533 $678,333 34% 12% 19% 42% 21% 78% 2026 1 43,799 $30,590,907,820 $698,438 36% 11% 17% 42% 22% 77% 2026 2 43,501 $31,553,347,309 $725,348 35% 13% 16% 42% 24% 75% 2026 3 40,784 $29,542,025,350 $724,353 35% 12% 15% 43% 24% 75% 4 Big 4 Banks & their Associated Brands vs Non Major Lender market share Table 2 Lodgement Investment Volume First Home Buyers Volume Refinance Volume Upgrader Volume Interest Only Volume Principal & Interest Volume Fiscal Fiscal Quarter Major Non- Major Major Non- Major Major Non- Major Major Non- Major Major Non- Major Major Non- Major Major Non- Major 2016 3 70.6% 29.4% 72.0% 28.0% 70.0% 30.0% 64.8% 35.2% 74.5% 25.5% 76.2% 23.8% 65.4% 34.6% 2016 4 70.9% 29.1% 73.9% 26.1% 72.2% 27.8% 66.2% 33.8% 73.4% 26.6% 75.0% 25.0% 67.3% 32.7% 2017 1 71.1% 28.9% 74.4% 25.6% 77.0% 23.0% 65.4% 34.6% 73.4% 26.6% 75.6% 24.4% 67.4% 32.6% 2017 2 65.2% 34.8% 68.4% 31.6% 68.3% 31.7% 58.2% 41.8% 69.0% 31.0% 69.8% 30.2% 61.3% 38.7% 2017 3 65.6% 34.4% 67.3% 32.7% 70.2% 29.8% 58.0% 42.0% 69.4% 30.6% 69.0% 31.0% 62.8% 37.2% 2017 4 64.7% 35.3% 68.5% 31.5% 70.0% 30.0% 57.5% 42.5% 66.0% 34.0% 62.6% 37.4% 65.7% 34.3% 2018 1 64.3% 35.7% 68.9% 31.1% 68.0% 32.0% 57.6% 42.4% 64.2% 35.8% 58.3% 41.7% 65.9% 34.1% 2018 2 64.1% 35.9% 66.5% 33.5% 69.5% 30.5% 57.5% 42.5% 64.3% 35.7% 63.5% 36.5% 64.3% 35.7% 2018 3 63.2% 36.8% 65.0% 35.0% 67.6% 32.4% 58.9% 41.1% 63.2% 36.8% 65.0% 35.0% 62.9% 37.1% 2018 4 59.2% 40.8% 57.2% 42.8% 68.4% 31.6% 54.1% 45.9% 59.9% 40.1% 59.5% 40.5% 59.3% 40.7% 2019 1 59.7% 40.3% 57.1% 42.9% 68.2% 31.8% 55.4% 44.6% 60.5% 39.5% 57.8% 42.2% 60.2% 39.8% 2019 2 57.9% 42.1% 56.5% 43.5% 67.8% 32.2% 53.1% 46.9% 58.1% 41.9% 57.4% 42.6% 58.1% 41.9% 2019 3 58.6% 41.4% 56.5% 43.5% 68.2% 31.8% 53.1% 46.9% 59.6% 40.4% 60.2% 39.8% 58.4% 41.6% 2019 4 57.6% 42.4% 56.2% 43.8% 65.5% 34.5% 51.5% 48.5% 59.0% 41.0% 55.4% 44.6% 58.3% 41.7% 2020 1 54.0% 46.0% 50.1% 49.9% 65.1% 34.9% 45.0% 55.0% 57.1% 42.9% 47.5% 52.5% 55.5% 44.5% 2020 2 53.1% 46.9% 48.2% 51.8% 64.0% 36.0% 46.7% 53.3% 55.2% 44.8% 44.8% 55.2% 55.0% 45.0% 2020 3 59.5% 40.5% 54.0% 46.0% 61.7% 38.3% 61.0% 39.0% 60.6% 39.4% 52.5% 47.5% 61.1% 38.9% 2020 4 66.8% 33.2% 64.4% 35.6% 66.9% 33.1% 71.1% 28.9% 65.7% 34.3% 62.2% 37.8% 67.7% 32.3% 2021 1 58.9% 41.1% 54.6% 45.4% 63.9% 36.1% 58.1% 41.9% 58.9% 41.1% 54.6% 45.4% 59.6% 40.4% 2021 2 58.7% 41.3% 54.6% 45.4% 65.0% 35.0% 58.0% 42.0% 57.5% 42.5% 54.4% 45.6% 59.4% 40.6% 2021 3 57.1% 42.9% 51.6% 48.4% 62.0% 38.0% 58.1% 41.9% 56.9% 43.1% 51.8% 48.2% 58.1% 41.9% 2021 4 59.3% 40.7% 54.6% 45.4% 64.8% 35.2% 61.1% 38.9% 59.3% 40.7% 54.0% 46.0% 60.3% 39.7% 2022 1 57.3% 42.7% 53.4% 46.6% 65.8% 34.2% 53.1% 46.9% 58.7% 41.3% 53.3% 46.7% 58.2% 41.8% 2022 2 53.5% 46.5% 51.9% 48.1% 63.9% 36.1% 47.3% 52.7% 54.5% 45.5% 52.2% 47.8% 53.9% 46.1% 2022 3 50.8% 49.2% 49.3% 50.7% 60.2% 39.8% 43.9% 56.1% 51.9% 48.1% 50.4% 49.6% 50.9% 49.1% 2022 4 56.4% 43.6% 50.1% 49.9% 66.5% 33.5% 52.3% 47.7% 58.0% 42.0% 49.7% 50.3% 57.2% 42.8% 2023 1 60.8% 39.2% 56.2% 43.8% 68.9% 31.1% 57.5% 42.5% 62.9% 37.1% 54.4% 45.6% 62.2% 37.8% 2023 2 59.6% 40.4% 57.3% 42.7% 66.6% 33.4% 57.3% 42.7% 60.2% 39.8% 59.0% 41.0% 59.7% 40.3% 2023 3 61.8% 38.2% 60.8% 39.2% 67.2% 32.8% 59.5% 40.5% 62.3% 37.7% 62.4% 37.6% 61.7% 38.3% 2023 4 60.4% 39.6% 62.2% 37.8% 64.6% 35.4% 59.3% 40.7% 59.1% 40.9% 62.3% 37.7% 59.9% 40.1% 2024 1 57.5% 42.5% 56.7% 43.3% 67.2% 32.8% 52.9% 47.1% 57.9% 42.1% 56.5% 43.5% 57.8% 42.2% 2024 2 60.2% 39.8% 60.3% 39.7% 71.9% 28.1% 55.1% 44.9% 60.1% 39.9% 59.3% 40.7% 60.6% 39.4% 2024 3 61.7% 38.3% 60.6% 39.4% 70.6% 29.4% 58.5% 41.5% 61.7% 38.3% 63.7% 36.3% 61.3% 38.7% 2024 4 57.2% 42.8% 57.2% 42.8% 66.5% 33.5% 53.4% 46.6% 56.7% 43.3% 58.5% 41.5% 56.8% 43.2% 2025 1 55.9% 44.1% 55.7% 44.3% 67.3% 32.7% 50.7% 49.3% 56.0% 44.0% 56.0% 44.0% 55.9% 44.1% 2025 2 61.0% 39.0% 57.5% 42.5% 70.6% 29.4% 57.8% 42.2% 62.4% 37.6% 56.8% 43.2% 62.1% 37.9% 2025 3 59.9% 40.1% 57.9% 42.1% 69.3% 30.7% 56.4% 43.6% 60.2% 39.8% 58.5% 41.5% 60.3% 39.7% 2025 4 59.7% 40.3% 57.1% 42.9% 68.6% 31.4% 55.5% 44.5% 60.8% 39.2% 56.9% 43.1% 60.5% 39.5% 2026 1 59% 41% 57% 43% 67% 33% 57% 43% 60% 40% 57% 44% 60% 40% 2026 2 59% 41% 56% 44% 73% 28% 57% 43% 59% 42% 55% 45% 60% 40% 2026 3 60% 40% 57% 43% 72% 28% 56% 44% 60% 40% 56% 44% 61% 39% * Big 4 Banks & their associated brands includes: CBA & Bankwest, Westpac & St George & Bank SA & Bank of Melbourne, NAB & UBank, ANZ & Suncorp (as of August 2024) 5 Total lodgement volume Table 3 Fiscal Fiscal Quarter National NSW NT QLD SA VIC WA 2016 3 $12,899,531,564 $4,694,023,747 $90,074,503 $2,150,045,918 $712,310,474 $3,368,595,762 $1,884,481,160 2016 4 $14,492,569,632 $5,290,743,282 $97,762,354 $2,429,809,118 $791,840,063 $3,878,131,520 $2,004,283,296 2017 1 $15,124,154,412 $5,470,285,452 $84,174,287 $2,605,711,215 $800,951,939 $4,229,823,532 $1,933,207,986 2017 2 $14,979,398,027 $5,426,003,273 $87,187,718 $2,505,307,678 $773,351,604 $4,398,741,172 $1,788,806,582 2017 3 $14,150,343,319 $5,090,364,411 $87,970,635 $2,368,574,830 $749,783,201 $4,240,682,427 $1,612,967,814 2017 4 $14,551,070,209 $5,232,634,409 $51,531,037 $2,437,424,105 $770,982,709 $4,443,174,978 $1,615,322,970 2018 1 $14,948,327,171 $5,249,369,845 $71,240,391 $2,387,991,140 $760,134,506 $4,919,302,623 $1,560,288,667 2018 2 $14,813,114,159 $5,135,582,112 $76,497,858 $2,379,070,453 $757,818,346 $4,897,925,624 $1,566,219,765 2018 3 $13,794,277,704 $4,768,022,797 $83,500,004 $2,169,351,235 $695,742,174 $4,562,932,102 $1,514,729,392 2018 4 $14,542,901,956 $4,945,079,005 $44,071,649 $2,363,033,867 $740,025,134 $4,995,095,503 $1,455,596,797 2019 1 $14,163,790,155 $4,793,252,745 $62,523,577 $2,315,756,324 $750,066,146 $4,701,475,068 $1,540,716,295 2019 2 $12,967,945,442 $4,233,005,993 $58,969,782 $2,172,935,808 $701,327,836 $4,290,552,719 $1,511,153,304 2019 3 $11,613,654,328 $3,826,801,444 $56,350,344 $1,939,666,136 $652,995,108 $3,815,804,776 $1,322,036,519 2019 4 $12,977,940,620 $4,375,771,934 $51,732,776 $2,043,286,038 $729,805,145 $4,417,355,877 $1,359,988,850 2020 1 $15,700,098,779 $5,557,109,383 $49,180,869 $2,553,060,036 $785,196,149 $5,158,250,291 $1,597,302,050 2020 2 $15,368,708,504 $5,286,206,957 $66,968,715 $2,524,588,299 $817,886,850 $5,095,685,809 $1,577,371,875 2020 3 $15,344,491,297 $5,020,785,237 $53,037,994 $2,550,200,816 $779,188,767 $5,371,437,553 $1,569,840,930 2020 4 $16,853,561,725 $5,922,253,031 $69,845,602 $2,735,081,395 $883,758,855 $5,426,637,030 $1,815,985,812 2021 1 $18,187,912,093 $6,224,279,577 $48,487,810 $3,343,105,728 $1,031,077,355 $5,358,986,630 $2,181,974,993 2021 2 $19,837,527,015 $6,423,867,863 $43,489,534 $3,598,556,919 $1,026,932,438 $6,285,275,987 $2,459,404,273 2021 3 $20,558,636,564 $7,017,777,663 $45,770,750 $3,491,745,410 $1,046,175,670 $6,687,012,511 $2,270,154,560 2021 4 $22,638,426,110 $7,870,893,263 $41,114,893 $3,676,105,762 $1,122,201,319 $7,540,025,348 $2,388,085,526 2022 1 $24,115,142,335 $8,447,385,894 $55,538,862 $4,120,392,635 $1,245,527,275 $7,809,630,948 $2,436,666,721 2022 2 $24,602,349,728 $8,321,222,700 $46,630,392 $4,215,429,085 $1,266,884,856 $8,197,665,164 $2,554,517,532 2022 3 $21,973,816,059 $7,329,430,027 $26,567,771 $3,954,718,871 $1,158,491,913 $6,986,096,136 $2,518,511,340 2022 4 $22,530,982,126 $7,372,854,556 $25,521,644 $3,907,275,929 $1,261,941,344 $7,528,003,746 $2,435,384,907 2023 1 $21,531,437,869 $6,994,961,009 $31,548,197 $3,811,788,988 $1,211,848,123 $7,182,670,508 $2,298,621,043 2023 2 $20,074,377,882 $6,404,890,095 $30,229,707 $3,388,230,122 $1,224,558,929 $6,697,604,822 $2,328,864,207 2023 3 $19,409,867,530 $6,201,581,990 $39,660,075 $3,494,259,475 $1,153,951,233 $6,255,551,955 $2,264,862,802 2023 4 $22,437,575,557 $7,252,899,507 $25,883,429 $3,861,045,027 $1,361,058,361 $7,364,106,247 $2,572,582,986 2024 1 $20,882,919,747 $6,741,066,376 $30,800,503 $3,776,231,618 $1,245,837,898 $6,829,752,548 $2,259,230,804 2024 2 $21,132,159,361 $6,565,631,430 $34,006,441 $3,799,705,580 $1,332,488,824 $6,891,166,307 $2,509,160,779 2024 3 $20,318,157,274 $6,441,181,223 $15,421,016 $3,859,568,772 $1,306,770,098 $6,276,772,638 $2,418,443,528 2024 4 $23,314,816,089 $7,643,510,179 $13,972,187 $4,331,408,273 $1,446,443,034 $6,928,605,540 $2,950,876,876 2025 1 $24,183,546,844 $7,856,437,915 $15,309,694 $4,703,260,136 $1,601,322,697 $6,996,170,992 $3,011,045,410 2025 2 $25,235,764,797 $8,296,533,814 $19,453,742 $4,612,191,047 $1,643,423,372 $7,376,572,240 $3,287,590,582 2025 3 $24,082,889,294 $7,709,140,576 $16,735,805 $4,577,774,876 $1,542,255,359 $7,056,567,778 $3,180,414,899 2025 4 $27,682,783,533 $8,881,806,983 $20,990,398 $5,260,120,373 $1,709,601,653 $8,135,406,177 $3,674,857,949 2026 1 $30,590,907,820 $9,969,723,283 $23,936,176 $5,641,285,112 $1,994,513,693 $8,942,265,695 $4,019,183,860 2026 2 $31,553,347,309 $9,916,425,624 $26,443,524 $5,897,516,197 $2,012,693,649 $9,180,162,835 $4,520,105,479 2026 3 $29,542,025,350 $9,447,383,777 $23,212,175 $5,455,531,319 $1,942,605,396 $8,486,918,644 $4,186,374,039 6 Average mortgage size in dollars Table 4 Fiscal Fiscal Quarter National NSW NT QLD SA VIC WA 2016 3 $472,943 $588,814 $384,934 $394,359 $372,353 $446,408 $453,218 2016 4 $477,357 $591,607 $407,343 $398,722 $378,509 $455,287 $448,085 2017 1 $479,037 $596,802 $408,613 $400,324 $378,701 $458,567 $444,211 2017 2 $487,262 $602,555 $384,087 $403,301 $378,167 $476,415 $444,977 2017 3 $487,304 $602,196 $418,908 $403,987 $385,097 $476,321 $440,461 2017 4 $484,132 $593,673 $393,367 $408,621 $378,118 $473,333 $434,227 2018 1 $490,576 $596,994 $397,991 $411,936 $388,617 $481,765 $441,383 2018 2 $499,212 $611,597 $460,830 $416,577 $389,024 $494,990 $440,444 2018 3 $497,575 $602,784 $444,149 $417,987 $397,794 $493,237 $440,969 2018 4 $503,825 $608,400 $393,497 $426,617 $397,649 $502,323 $443,644 2019 1 $508,227 $624,040 $390,772 $423,976 $407,645 $508,377 $442,989 2019 2 $508,049 $618,047 $409,512 $449,046 $395,337 $504,178 $443,283 2019 3 $504,174 $619,725 $405,398 $440,733 $407,867 $498,407 $431,615 2019 4 $514,100 $626,184 $413,862 $444,193 $402,318 $511,623 $441,125 2020 1 $538,763 $665,761 $413,285 $459,680 $414,570 $529,649 $457,942 2020 2 $537,330 $657,080 $426,552 $458,266 $432,059 $539,397 $444,205 2020 3 $541,538 $662,373 $438,331 $461,324 $426,019 $545,047 $458,750 2020 4 $542,438 $678,379 $396,850 $462,554 $420,037 $539,266 $444,659 2021 1 $513,174 $663,428 $375,874 $440,462 $397,792 $509,652 $416,885 2021 2 $542,780 $694,247 $443,771 $465,170 $418,132 $543,662 $451,764 2021 3 $573,767 $727,231 $423,803 $491,242 $442,545 $569,156 $467,880 2021 4 $593,250 $753,845 $419,540 $499,675 $450,502 $594,030 $470,096 2022 1 $601,405 $754,029 $478,783 $522,760 $461,991 $601,481 $467,063 2022 2 $624,077 $771,126 $480,726 $539,402 $497,794 $635,182 $484,912 2022 3 $615,668 $764,039 $442,796 $539,599 $495,294 $621,705 $490,651 2022 4 $610,662 $758,290 $510,433 $543,583 $500,373 $610,197 $479,784 2023 1 $595,515 $725,694 $463,944 $538,084 $502,216 $597,709 $465,779 2023 2 $600,149 $738,401 $479,837 $536,537 $507,484 $602,194 $478,993 2023 3 $598,258 $738,284 $535,947 $546,490 $506,119 $592,214 $478,526 2023 4 $602,028 $727,545 $507,518 $553,317 $523,484 $597,542 $481,036 2024 1 $605,004 $717,822 $504,926 $562,190 $514,596 $610,399 $476,832 2024 2 $623,975 $747,113 $618,299 $570,269 $527,509 $631,985 $508,854 2024 3 $628,695 $740,025 $571,149 $579,515 $544,942 $636,267 $518,534 2024 4 $640,605 $758,510 $481,800 $596,284 $542,552 $637,465 $537,500 2025 1 $650,060 $761,504 $493,861 $618,037 $568,652 $635,207 $556,159 2025 2 $674,284 $804,629 $511,941 $620,085 $590,734 $660,037 $578,699 2025 3 $674,855 $782,813 $577,097 $634,920 $612,979 $666,657 $578,468 2025 4 $678,333 $778,628 $499,771 $648,597 $606,887 $664,061 $594,349 2026 1 $698,438 $791,562 $569,909 $666,740 $645,892 $680,434 $621,107 2026 2 $725,348 $811,757 $562,628 $701,084 $666,897 $707,800 $661,027 2026 3 $724,353 $807,607 $595,184 $694,000 $663,685 $706,949 $669,391 7 Loan to value ratios (LVR) Table 5 Fiscal Fiscal Quarter National NSW NT QLD SA VIC WA 2016 3 69.0% 66.2% 62.8% 70.2% 71.1% 72.7% 71.2% 2016 4 69.2% 66.1% 66.4% 70.0% 70.2% 72.1% 70.5% 2017 1 69.5% 66.2% 67.9% 70.0% 70.6% 71.0% 71.6% 2017 2 69.5% 65.5% 68.1% 69.6% 70.3% 71.9% 71.4% 2017 3 69.2% 65.4% 67.3% 68.9% 70.9% 71.6% 71.1% 2017 4 67.6% 64.0% 62.7% 68.1% 69.9% 70.8% 70.0% 2018 1 68.5% 64.5% 65.5% 68.9% 68.9% 70.8% 72.3% 2018 2 68.4% 64.5% 65.9% 68.5% 70.7% 69.4% 71.2% 2018 3 68.4% 63.8% 66.1% 69.3% 70.9% 68.9% 71.2% 2018 4 68.0% 63.6% 65.9% 69.1% 69.6% 68.6% 71.1% 2019 1 67.8% 65.0% 62.2% 68.9% 70.1% 68.6% 72.1% 2019 2 68.4% 65.0% 66.8% 69.3% 69.5% 68.0% 71.9% 2019 3 68.4% 65.3% 64.0% 69.7% 70.1% 69.1% 72.0% 2019 4 69.5% 65.9% 69.8% 69.5% 70.1% 69.6% 71.9% 2020 1 70.3% 67.4% 71.8% 70.1% 70.3% 70.3% 71.9% 2020 2 69.8% 67.3% 66.8% 70.1% 71.3% 70.5% 72.7% 2020 3 70.3% 67.7% 69.4% 70.5% 70.8% 70.3% 72.8% 2020 4 70.1% 68.2% 65.9% 71.8% 70.6% 71.1% 72.7% 2021 1 72.3% 69.2% 70.3% 73.5% 73.3% 72.1% 75.3% 2021 2 73.5% 69.5% 77.2% 73.4% 72.0% 72.8% 76.1% 2021 3 72.2% 68.7% 74.9% 72.0% 71.3% 71.6% 74.3% 2021 4 69.6% 67.1% 68.0% 69.8% 69.7% 69.3% 73.5% 2022 1 69.4% 66.1% 68.9% 69.1% 70.0% 69.0% 73.4% 2022 2 68.7% 64.5% 71.5% 67.0% 68.2% 68.2% 72.6% 2022 3 66.8% 64.0% 67.4% 63.9% 67.2% 66.9% 71.3% 2022 4 65.4% 61.9% 67.1% 62.6% 64.7% 65.6% 70.7% 2023 1 65.6% 62.2% 69.5% 63.2% 64.5% 65.3% 69.0% 2023 2 65.4% 62.5% 70.1% 61.7% 64.2% 65.0% 68.6% 2023 3 65.7% 63.7% 69.2% 63.3% 64.6% 65.6% 68.0% 2023 4 65.3% 63.4% 68.3% 62.6% 64.3% 65.7% 67.3% 2024 1 65.5% 63.4% 66.5% 63.0% 65.8% 66.7% 67.7% 2024 2 65.7% 63.6% 67.3% 63.3% 65.7% 67.0% 67.4% 2024 3 65.1% 64.5% 64.1% 63.0% 65.6% 67.4% 66.3% 2024 4 66.6% 64.1% 76.1% 62.4% 64.7% 67.3% 65.2% 2025 1 64.3% 63.4% 64.6% 62.3% 64.4% 66.7% 64.5% 2025 2 64.7% 64.4% 66.2% 62.8% 63.8% 67.7% 63.2% 2025 3 64.9% 64.7% 68.8% 61.8% 63.8% 67.9% 62.5% 2025 4 63.1% 64.6% 58.8% 61.9% 62.8% 68% 62.7% 2026 1 65% 65% 71% 61% 64% 68% 63% 2026 2 65% 65% 67% 63% 64% 69% 64% 2026 3 64% 65% 64% 60% 63% 68% 61% 8 Lender product type Table 6 Fiscal Fiscal Quarter Basic Variable Equity Fixed Intro Standard Variable 2016 3 9.7% 2.6% 17.7% 2.9% 67.1% 2016 4 8.3% 2.5% 18.7% 3.6% 67.0% 2017 1 8.5% 2.7% 16.2% 6.1% 66.4% 2017 2 10.8% 2.4% 16.7% 5.0% 65.1% 2017 3 9.7% 2.0% 18.3% 4.7% 65.4% 2017 4 8.9% 1.7% 24.0% 2.3% 63.1% 2018 1 8.3% 1.1% 26.4% 2.5% 61.6% 2018 2 9.3% 1.0% 21.8% 3.6% 64.3% 2018 3 10.1% 0.8% 19.6% 5.0% 64.5% 2018 4 10.6% 0.6% 15.6% 5.2% 67.9% 2019 1 11.4% 0.5% 18.9% 5.0% 64.2% 2019 2 10.5% 0.5% 23.1% 2.8% 63.1% 2019 3 9.5% 0.4% 22.4% 2.6% 65.1% 2019 4 9.1% 0.4% 22.2% 2.7% 65.7% 2020 1 10.2% 0.4% 14.6% 2.1% 72.7% 2020 2 12.3% 0.3% 14.1% 1.0% 72.2% 2020 3 14.4% 0.3% 14.5% 0.9% 69.9% 2020 4 9.0% 0.3% 31.3% 0.6% 58.8% 2021 1 9.5% 0.2% 29.2% 1.0% 60.2% 2021 2 8.1% 0.1% 29.3% 2.7% 59.8% 2021 3 6.4% 0.1% 34.1% 1.8% 57.5% 2021 4 5.6% 0.2% 38.0% 1.6% 54.5% 2022 1 5.6% 0.2% 38.2% 1.6% 54.4% 2022 2 7.6% 0.1% 34.0% 1.3% 57.1% 2022 3 15.1% 0.1% 20.0% 0.1% 64.7% 2022 4 20.1% 0.1% 7.7% 2.6% 69.5% 2023 1 24.4% 0.1% 3.6% 4.2% 67.6% 2023 2 22.3% 0.1% 4.8% 3.4% 69.4% 2023 3 19.1% 0.1% 5.6% 2.9% 72.3% 2023 4 13.6% 0.1% 8.0% 1.6% 76.7% 2024 1 13.1% 0.1% 4.8% 0.8% 81.2% 2024 2 11.3% 0.1% 2.3% 0.2% 86.1% 2024 3 10.7% 0.1% 1.6% 0.2% 87.5% 2024 4 10.6% 0.0% 2.3% 0.2% 86.9% 2025 1 10.7% 0.1% 3.0% 0.1% 86.1% 2025 2 9.0% 0.0% 4.6% 0.1% 86.0% 2025 3 9.8% 0.1% 3.3% 0.2% 86.0% 2025 4 9.5% 0.1% 2.3% 0.1% 87.2% 2026 1 9.3% 0.1% 1.8% 0.1% 88.1% 2026 2 8.4% 0.1% 3.2% 0.1% 87.8% 2026 3 7.4% 0.1% 5.4% 0.0% 86.5%