%C5%B7%C3%C0AV3P Best Mortgage ReMortgages

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• Figure: Consumers tend to fix their rates at interest rate peaks, January 2004 - July 2009
• Figure: CBA and Westpac hold 46% of outstanding household mortgages, August 2009
• Figure: Housing credit aggregates reached A$1.0 trillion in July 2009, January 2000 - July 2009
• Figure: Owner-occupier housing credit aggregates reached A$733 billion in July 2009, January 2000 - July 2009
• Figure: Housing credit aggregates have grown smoothly over the last two years, July 2007 - July 2009
• Figure: Lending commitments fell in early 2008, January 2000 - July 2009
• Figure: Monthly lending commitments recovered in early 2009, July 2008 - July 2009
• Figure: In March 2009 housing debt to housing assets exceed 30%, March 2000 - March 2009
• Figure: Interest payments as a proportion of disposable income fell recently, March 2000 - June 2009
• Figure: Mortgagors commonly pay A$1,000 - 1,499 on their main mortgage, April 2009
• Figure: Property prices rose sharply between 2006 and 2008, March 2004 - June 2009
• Figure: Property prices in state capitals have converged, March 2004 - December 2008
• Figure: Banks accrued over A$1 billion in household mortgage fees in 2008, 2000 - 2008
• Figure: Lending commitments are forecasted to recover over the next five years, 2000 - 2013f
• Figure: First home buyers reached a peak in May 2009, January 2000 - July 2009
• Figure: Investor proportion of lending commitments has fallen since 2003, January 2000 - July 2009
• Figure: Investor proportion of lending commitments hit a low in March 2009, January 2000 - July 2009
• Figure: The refinancing proportion of lending commitments has leveled off, January 2000 - July 2009
• Figure: Almost one in five mortgagors have held their main mortgage one year or less, April 2009
• Figure: Most mortgagors expect to keep their current mortgage provider for 10 years or more, April 2009
• Figure: A quarter of mortgagors had below 5% deposit for their main mortgage, April 2009
• Figure: Savings is the main source for deposits but not the only one, April 2009
• Figure: The cash interest rate target has fallen from a March 2008 peak, January 2000 - October 2009
• Figure: Average fixed rates recently exceeded standard rates, January 2004 - August 2009
• Figure: Most mortgagors do not fix their main mortgage, April 2009
• Figure: The fixed rate proportion of lending commitments peaked in March 2008, January 2000 - July 2009
• Figure: Consumers tend to fix their rates at interest rate peaks, January 2004 - July 2009
• Figure: CBA is the largest individual brand for main mortgages, April 2009
• Figure: CBA has the highest outstanding housing loans on its books, August 2009
• Figure: CBA and Westpac hold 46% of outstanding household mortgages, August 2009
• Figure: NAB customers are more likely to have several mortgages, April 2009
• Figure: NAB customers are more likely to have investment properties, April 2009
• Figure: NAB has the highest proportion of higher value mortgagors, April 2009
• Figure: St.George mortgagors are more likely to have a no-frills main mortgage, April 2009
• Figure: St.George has the highest proportion of lower value mortgagors, April 2009
• Figure: St.George customers had the lowest value original mortgages, April 2009
• Figure: ANZ main mortgage customers are more likely to have used a broker, April 2009
• Figure: ANZ customers commonly regard brokers as a source of information, April 2009
• Figure: ANZ mortgagors are more likely to use a broker for a new mortgage, April 2009
• Figure: CBA mortgagors are more likely to have been with the provider a short period, April 2009
• Figure: Westpac customers are likely to expect to keep their provider long-term, April 2009
• Figure: CBA and NAB customers have the highest number of products with the banks, April 2009
• Figure: CBA customers are the most likely to hold several different products with the bank, April 2009
• Figure: NAB mortgagors are the most likely to hold several product types with the bank, April 2009
• Figure: ANZ mortgagors are more rate-driven, April 2009
• Figure: St.George mortgagors are the most likely to have a fixed rate component, April 2009
• Figure: ANZ mortgagors are the most likely to report mortgage stress, April 2009
• Figure: ANZ mortgagors are the most likely to have had a significant deposit, April 2009
• Figure: St.George customers are the most likely to have saved for their deposit, April 2009
• Figure: CBA customers are more likely to expect payments to become hard, April 2009
• Figure: ANZ and CBA customers commonly have cut back on luxuries, April 2009
• Figure: ANZ customers are more likely to have borrowed elsewhere to afford payments, April 2009
• Figure: Overall mortgage provider satisfaction has fallen, 2008 - 2009
• Figure: ANZ has the highest proportion of satisfied mortgage customers, April 2009
• Figure: Mortgage provider satisfaction has converged between the banks, 2008 - 2009
• Figure: Mortgage broker usage and expected future usage is consistent, April 2009
• Figure: Rate consciousness drives mortgage broker usage, April 2009
• Figure: Uncertainty has lowered internet channel usage, 2008 - 2009
• Figure: Lacking interactivity is an obstacle for internet product arrangement, April 2009
• Figure: Three main product characteristics determine suitability for the internet channel