Announcement PDF    6 July 2015 Market Announcements Office ASX Limited Exchange Centre 20 Bridge Street SYDNEY NSW 2000 Dear Sir AFG MORTGAGE INDEX - JUNE 2015 Please see attached statement regarding AFG’s Mortgage Index for July 2015. Yours faithfully, Lisa Bevan Company Secretary   N A T I O N A L RECORDͲBREAKINGJUNEFORAFG–DESPITEINVESTMENTLOANS ATLOWESTLEVELFORTWOYEARS 6July2015 AFG, Australia’s largest mortgage broker, announced a recordͲbreaking volume of $5.1 billion in mortgagesprocessedforthemonthofJune–up24.5%onJune2014,and1.7%onlastmonth.Thisis alsoAFG’ssecondhighestmontheverafterachievingvolumeof$5.2billioninMarchthisyear.  Whileoverallmortgagefigurescontinuetobebuoyant,theJunefiguresshowedasignificantcoolingfor investment loans – down to 36.9% nationally from a peak of 43.1% in April.  The last time overall investment loans were at similar levels was July 2013, when they comprised 35.9% of all mortgages processed.  InvestmentloansmoderatedmostofallinNSWfrom49.8%inMayto41.6%inJune.Investmentloans hadbeenrunningatanaverageof49.5%ofallloansinNSWfortheprevious12months.  ElsewhereinAustralia,thesamemoderatingtrendwasrepeated,withinvestmentloansdeclininginSA from41.8%to36.8%,inQLDfrom36.1%to34.1%,inVICfrom36.5%to35.7%andinWAfrom31.8%to 31.2%.  Brett McKeon, AFG Managing Director says: “These figures suggest that APRA controls are starting to take effect, but not atthe expense of the overall mortgage market.  If this trend continues, it should help allay concerns about overheating in Sydney, in particular, as investment levels there come back intolinewiththesustainable,longterm,nationalaverage.”  AFG’sMortgageIndexalsoshowsthatnonͲmajorlendersaremakingfurtherheadwayastheycompete forgreatermarketshare.Lastmonthsaw30.9%ofallmortgagesprocessedfornonͲmajorlenders–the highestsuch figure since 32.5%recorded inDecember 2014.Theyarestrongestinwinningrefinance loans (34.8% of all new loans) and weakest at competing for investors, where the major lenders still dominatewith75.5%ofallnewhomeloans.  Ofnewborrowers,14.2%optedforafixedratemortgagelastmonth,comparedto15.2%inMay,with 76%ofborrowerschoosingastandardorbasicvariablehomeloan.  More information can be found at www.afgonline.com.au under Media Hub – News and Data.  AFGMortgageIndex–GoingForward Historically AFG has released the AFG Mortgage Index on a monthly basis. Following AFG’s successful listingontheASX,AFGhasdeterminedthattheAFGMortgageIndexwillbe publishedonaquarterly basisfromJuly2015(iethefirstquarterwillreflectthe3monthsending30September2015) ENDS CONTACTDETAILS  BrettMcKeon,AFGManagingDirector  AlisonClarke,AFGCorporateCommunications  Tel  (08) 9420 7888 Tel 0402781367      AFGORIGINATEDMORTGAGES TABLE 1: ALL AUSTRALIA  MONTH TOTAL NUMBER TOTAL AMOUNT AVERAGE SIZE PROPERTY INVESTORS FIRSTTIME BUYERS % REFINANCE Apr14 May14 June14 July14 Aug14 Sep14 Oct14 Nov14 Dec14 Jan15 Feb15 Mar15 Apr15 May15 June15 8,517 9,815 8,745 9,300 9,087 9,839 10,463 9,806 8,510 6,562 9,799 11,235 9,661 10,668 11,056 $3,674m $4,218m $3,794m $4,122m $3,959m $4,365m $4,755m $4,455m $3,778m $2,763m $4,368m $5,236m $4,380m $5,017m $5,103m $431k $429k $433k $443k $435k $443k $454k $454k $443k $421k $445k $466k $453k $470k $461k 39.0% 40.0% 39.2% 38.0% 39.0% 40.3% 38.7% 40.7% 39.4% 38.5% 39.6% 41.7% 43.1% 40.9% 36.9% 10.1% 10.2% 10.8% 9.8% 9.5% 8.4% 7.2% 7.3% 6.9% 8.3% 8.2% 7.4% 7.5% 7.6% 7.4% 34.1% 34.7% 36.7% 36.1% 35.3% 36.0% 34.7% 33.6% 37.3% 32.8% 35.0% 34.9% 33.9% 38.2% 38.6%     MAJOR VSNON MAJOR LENDER MARKET SHARE TABLE 2: BY BUYER TY PE     TOTALMORTGAGES MONTH MAJOR NONͲ MAJOR MAJOR NONͲ MAJOR FIRSTHOME BUYERS MAJOR NONͲ MAJOR 201405 201406 201407 201408 201409 201410 201411 201412 201501 201502 201503 201504 201505 201506 74.7% 74.9% 74.7% 73.8% 73.2% 71.7% 70.1% 67.5% 74.9% 73.9% 72.5% 74.7% 71.9% 69.1% 25.3% 25.1% 25.3% 26.2% 26.8% 28.3% 29.1% 32.5% 25.1% 26.1% 27.5% 25.3% 28.1% 30.9% 69.2% 70.3% 67.9% 68.0% 64.9% 67.5% 63.0% 58.6% 68.6% 66.4% 66.2% 69.2% 64.1% 65.2% 30.8% 29.7% 32.1% 32.0% 35.1% 32.5% 37.0% 41.4% 31.4% 33.6% 33.8% 30.8% 35.9% 34.8% 70.4% 72.6% 71.4% 69.3% 68.1% 69.1% 64.3% 68.4% 73.4% 73.1% 70.9% 69.4% 72.3% 70.3% REFINANCE 29.6% 27.4% 28.6% 30.7% 31.9% 30.9% 35.7% 31.6% 26.6% 26.9% 29.1% 30.6% 27.7% 29.7% INVESTORS MAJOR NONͲ MAJOR 77.2% 76.9% 77.5% 76.8% 75.5% 73.8% 75.5% 73.2% 78.7% 77.3% 76.2% 77.3% 75.7% 75.5% 22.8% 23.1% 22.5% 23.2% 24.5% 26.2% 24.5% 26.8% 21.3% 22.7% 23.8% 22.7% 24.3% 24.5%       AVERAGE MORTGAGE SIZEINDOLLA RS TABLE 3 : STATE BY STATE y    MONTH 201404 201405 201406 201407 201408 201409 201410 201411 201412 201501 201502 201503 201504 201505 201506 AUSTRALIA 431,484 429,794 433,960 443,244 435,782 443,729 454,516 454,414 443,986 421,147 445,848 466,048 453,463 470,331 461,608 NSW 528,674 524,009 526,954 506,696 532,105 545,048 577,439 561,445 544,281 508,347 547,256 576,992 550,749 575,286 558,418 QLD 364,432 369,926 373,126 373,911 365,571 359,100 367,670 368,898 374,391 356,631 370,853 382,291 377,562 381,180 387,574 SA 334,894 323,841 335,919 335,791 338,525 325,999 352,569 352,269 349,146 327,827 336,830 349,813 337,975 368,228 358,638 VIC 408,827 416,521 419,893 469,672 422,125 426,979 425,011 445,458 438,934 414,585 437,473 439,090 438,013 448,525 440,404 WA 439,959 423,236 424,349 434,707 428,916 450,527 437,373 440,347 427,983 429,854 428,421 447,861 446,065 453,754 444,048 NT 423,630 391,383 425,155 397,685 401,888 379,036 408,427 409,732 374,898 346,308 396,566 437,107 400,973 440,465 431,070 WA 70.5% 69.8% 71.5% 71.1% 70.3% 69.4% 72.4% 68.4% 71.5% 71.7% 69.3% 70.5% 71.1% 70.4% NT 68.6% 59.8% 68.4% 72.5% 60.0% 61.1% 71.2% 68.5% 65.6% 63.5% 67.3% 64.5% 66.1% 64.6%     LOAN VALUE RATIOS (loan stated as % of property value)  TABLE 4 : ALL AUSTRALIA   201405 201406 201407 201408 201409 201410 201411 201412 201501 201502 201503 201504 201505 201506   AUSTRALIA 68.8% 66.6% 68.2% 69.5% 66.9% 67.9% 69.6% 68.2% 69.0% 67.7% 67.8% 68.0% 68.2% 67.4% NSW 65.7% 64.1% 63.3% 64.3% 65.1% 65.8% 64.9% 65.1% 65.5% 64.6% 64.2% 63.4% 62.3% 63.2% QLD 68.0% 66.7% 67.3% 67.8% 66.3% 67.5% 67.6% 68.1% 68.7% 68.7% 66.8% 67.7% 66.7% 67.1% SA 68.5% 68.6% 67.3% 70.4% 67.4% 71.7% 69.0% 68.0% 70.7% 66.5% 67.4% 70.4% 71.1% 68.0% VIC 71.4% 70.6% 71.2% 70.9% 72.6% 72.0% 72.3% 71.3% 72.0% 71.5% 72.0% 71.4% 71.7% 71.1%    LOAN TY PE TABLE 5 : ALL AUSTRALIA  MONTH Apr14 May14 June14 July14 Aug14 Sept14 Oct14 Nov14 Dec14 Jan15 Feb15 Mar15 Apr15 May15 June15 BASIC 5.9% 6.9% 6.2% 6.3% 6.5% 6.2% 5.2% 5.3% 5.3% 6.5% 6.6% 6.6% 6.0% 6.0% 5.7% EQUITY 5.3% 5.1% 5.0% 4.8% 4.2% 4.3% 4.1% 4.6% 4.5% 3.9% 3.8% 3.7% 3.5% 3.6% 3.2% FIXED 17.5% 17.6% 17.2% 16.8% 17.8% 18.2% 18.2% 17.1% 14.5% 15.4% 13.6% 14.2% 13.6% 15.2% 14.2% INTRO 5.5% 5.3% 5.1% 6.6% 6.3% 5.9% 5.6% 4.9% 5.8% 7.5% 7.9% 6.6% 6.6% 6.6% 6.5% STANDARD 65.9% 65.1% 66.6% 65.5% 65.2% 65.3% 66.9% 68.0% 69.8% 66.5% 68.2% 68.8% 70.3% 68.6% 70.4%    DEFINITIONS    1. StandardVariable:includesthefullrangeoffeaturesavailable.   2.BasicVariable:withoutsomefeatures,lowerfeesandrates.    3.Intro:alsoknownas‘honeymoon’wheretheborrowerisofferedaverycheapinitialrate(fixedor variable)beforetheloanrevertstoaStandardVariable.    4.Fixed:interestrateisfixedforanominatedperiodbeforeitrevertstoaStandardVariable.    5.Equity:alsoknownas‘lineofcredit’allowstheborrowertodrawoutmoneyuptoaspecifiedlimit. GenerallymoreexpensivethanStandard Variable loans.     NOTE TO EDITORS    AFGisAustralia’slargestmortgagebrokinggroup.Establishedin1994,AFGnowprovidesmorethan 20%ofbrokersnationwidewithaccesstoAustralia’sleadinglendinginstitutions,andhasaloanbookin excessof$100billion.