Deloitte Australian Mortgage Report 2016


Deloitte Australian Mortgage Report 2016

Delivering tomorrow, today?

Despite regulatory headwinds and economic uncertainty, Australia’s mortgage market remains on track to continue its active and innovative trajectory, according to a Deloitte roundtable of heads of lending and mortgages, brokers, and fintechs.

Bursting through the $1.5 trillion mark for outstanding residential mortgages in Q4 2015, annualised lending grew by more than seven per cent in 2015. And the Deloitte roundtable of lenders expects the Australian mortgage market to continue to deliver with loan originations growing in 2016 and beyond.

Register now to receive a copy of the report.

Deloitte Australian Mortgage Report 2016

Download the report
Executive Summary

The Australian mortgage market continues to deliver. In October 2015 the total market for outstanding residential mortgages in Australia burst through the $1.5 trillion mark, with annualised lending growth of more than 7% p.a. for 2015. Settlements reached a record of almost $36 billion ($35.95bn) in December 2015 and mortgages continue to account for more than 60% of our major banks’ earnings.


Funding outlook 2016

Funding, and its impact on the Australian residential mortgage market is an area of focus as market participants and commentators analyse whether the slow start to 2016 is a precursor to a tough year ahead. Although the funding markets have come a long way since the financial crisis, access to liquidity is sensitive to global political and economic events. So what was the impact of the events of the last 12 months on mortgage originators, both ADIs and non-bank lenders, and how will this impact both the competitive landscape and consumer over the next year?


A conversation about innovation and customers

Deloitte Consulting Partner and Customer Practice Leader, Jenny Wilson, talks to Lisa Claes, Executive Director, Customer Delivery at ING Direct about innovating in financial services through products, customer experience and segments, with reference made to the World Economic Forum’s “The future of banking” research – the six areas of greatest disruption.


Fintech Trends in 2016

Deloitte Consulting Partner and Fintech Practice Leader, Chris Wilson, highlights expected fintech trends for Australia in 2016 – scale, collaboration, predictive analytics, regtech and blockchain.


Regulatory focus and prudential policy implications

What is your biggest concern for the mortgage market in 2016? Kevin Nixon, Deloitte’s Global Leader for the Centre of Regulatory Strategy, discusses regulatory focus and prudential policy implications on capital.  

  • Contact us
  • Submit RFP
  • Our Solutions

    Progress your business growth and development

    Take a look at the products and services we offer.

    Financial Services

    Our Australian financial services team of more than 500 practitioners has extensive experience in the banking and securities, insurance and wealth management sectors.

    Deloitte Access Economics

    Deloitte Access Economics offers a full suite of economic advisory services including economic forecasting, modelling, analysis and advisory services to help our clients plan for the future, understand the implications of major decisions, and navigate the complexities of economic policy.

    Financial Advisory

    Deloitte provides a broad range of services around M&A, restructuring, economics and capital optimisation as well as finance transformation, turnaround, business modelling and real estate advisory services.

Did you find this useful?