Deloitte Australian Mortgage Report 2016

Perspectives

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.

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Deloitte Australian Mortgage Report 2016

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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.  

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