Announcement PDF Market Release 16 July 2026 Market Announcements Office ASX Limited Exchange Centre 20 Bridge Street SYDNEY NSW 2000 Dear Sir/Madam AFG MORTGAGE INDEX – Q4 FY2026 Please see attached statement regarding AFG’s Mortgage Index for the fourth 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 July 2026 Australian Finance Group Ltd | Australian Credit Licence 389087 | ACN 066 385 822 1 AFG brokers lodge $28.1 billion in home loans in Q4 FY26 — the strongest June quarter on record as the divide between east and west widens Australian Finance Group Ltd (ASX:AFG) brokers lodged just under 39,000 mortgages in the final quarter of FY26, valued at $28.1 billion. This represents AFG’s strongest June quarter on record and a 1.4% increase on the prior year. The business enters FY27 in good shape, carrying genuine momentum. AFG Chief Executive Officer David Bailey said the result reflected the resilience of the broker channel. “Following the strongest March quarter on record, some easing in June was expected, especially after the Federal Budget announcements on 12 May and during a tightening rate cycle. Despite divergence across states and shifting borrower sentiment mid-quarter, we delivered positive year-on-year growth and a record-high average loan size.” AFG Securities finished FY26 with strong momentum, closing with a record loan book of $7.1 billion, a 30% lift in just 12 months while maintaining disciplined credit standards and good arrears performance. Lodgements reached $1.4 billion for the final quarter of FY26, the strongest June quarter on record, while June lodgements were the highest month ever recorded. The quarter’s defining feature was a pronounced geographic divergence. New South Wales remained the largest market with residential lodgements at $8.7 billion, followed by Victoria at $8.1 billion and Queensland with $5.2 billion, though each saw lodgements decline on the prior corresponding quarter in FY25 — by 1.8%, 0.6% and 1.8% respectively. South Australia outperformed year-on-year, up 7.9% to $1.85 billion. Western Australia was the standout, recording residential lodgements of $4.21 billion, the only state to grow quarter-on-quarter (+0.6%) and strongly ahead year-on-year (+14.6%). Nationally, residential lodgements for the quarter remained positive overall, although activity became more uneven late in the period. After a strong start in April and May 2026, June moderated as borrowers took time to assess the Federal Budget changes and the cumulative impact of recent RBA cash rate increases. “We believe the fiscal policy changes announced during the quarter will represent a period of readjustment rather than a structural shift in underlying demand,” said Mr Bailey. “We have seen patchy investor volumes as the market absorbs the new settings, and the data is consistent with some borrowers pausing or reassessing plans. We view this as transitional, and broker demand has remained resilient. Western Australia’s continued strength, driven by its resource-sector economy and supply-constrained housing market, reinforced its position as a standout contributor to national volumes.” Upgrader activity climbed to 44% of total residential lodgements. This level has only been reached twice before, in 2022 and 2018. Investor participation for the quarter eased slightly from 35% to 34%, with the month of June unsurprisingly softening to 32%. “First Home Buyer demand held at 12%, with no noticeable impact from the changes implemented by the Federal Budget as yet. Refinancing ticked up to 16% following its record low of 15% in Q3, potentially signalling the floor in the long- running refinancing downtrend. It is still at the lower end of the long-term averages and as interest rate movements kick into household budgets, our expectation is that this will lift.” https://investors.afgonline.com.au/link/PRVW2P For media enquiries, please contact Alison Clarke Head of Corporate Communications P (08) 9420 7014 | P 0402 781 367 afgonline.com.au 2 The national average loan size reached a record high of $727,345, up 7.2% on the prior year, with the national LVR falling to 63%, the lowest level recorded in AFG’s data. Borrowers continued to strongly favour variable-rate products, which rose to 87.5% of lodgements; fixed-rate retreated to 3.8% following Q3’s spike to 5.4%. “Looking under the hood at lender performance, Westpac brands captured an 18% market share for the quarter, marginally ahead of CBA and ANZ brands at 16%, with Macquarie close behind at 14%. NAB remained flat at 8%, but over-indexed in investor flows at 36%,” said Mr Bailey. AFG Home Loans delivered a standout quarter with $2.28 billion in lodgements, up 28.0% on the prior year. Market share of total AFG broker lodgements reached 7.9%, the highest level recorded in recent years. “The continued growth in AFG Home Loans reflects the strength and breadth of our product portfolio and the trust our broker partners place in our proprietary offering,” said Mr Bailey. “As we move into the new financial year, we remain focused on what we can control — supporting brokers with competitive products, strong service levels and funding certainty,” he said. “Australians retain confidence in property as a long-term asset class, and the role of brokers has never been more important to borrowers navigating significant change. Importantly, AFG enters the new financial year with a broader and more resilient earnings base, supported by continued growth in broker services, increased scale within AFG and a net interest margin ahead of our previously stated through-the-cycle aspiration of 120 basis points.” -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 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% 2026 4 38,583 $28,063,140,640 $727,345 34% 12% 16% 44% 25% 74% 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 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% 2026 4 58% 42% 54% 46% 72% 28% 52% 48% 60% 40% 55% 46% 59% 41% * 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 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 2026 4 $28,063,140,640 $8,721,350,030 $31,776,800 $5,167,726,641 $1,845,064,236 $8,086,765,209 $4,210,457,725 6 Average mortgage size in dollars Table 4 Fiscal Fiscal Quarter National NSW NT QLD SA VIC WA 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 2026 4 $727,345 $806,189 $512,529 $704,530 $684,879 $693,905 $699,412 7 Loan to value ratios (LVR) Table 5 Fiscal Fiscal Quarter National NSW NT QLD SA VIC WA 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% 2026 4 63% 63% 68% 59% 63% 68% 60% 8 Lender product type Table 6 Fiscal Fiscal Quarter Basic Variable Equity Fixed Intro Standard Variable 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% 2026 4 7.5% 0.1% 3.8% 0.0% 87.5%