Australian Mortgage Market: Forecasts and Future Opportunities 2018 : Analyzes the relative performance of the major sectors of Australias mortgage market, including mutuals, banks, and non-ADI lenders

ResearchMoz presents Professional and In-depth Study of "Australian Mortgage Market: Forecasts and Future Opportunities 2018" with coming years Industries Trends, Projections of Global Growth, Major Key Player and Case Study, Review, Share, Size, Effect.
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"Australian Mortgage Market: Forecasts and Future Opportunities 2018", report looks at the Australian residential mortgage market, with coverage of both the investment property and owner-occupier market, including first-time buyers.

The Australian mortgage market has gone from strength to strength in recent years, but growth is finally tipped to decelerate as investors take a breath and property inflation cools in the countrys key cities. An active regulator has sapped much of the bubble in the investment property market, which will result in slower growth in 2018 and 2019. Lenders will need to adjust to a market not dominated by investors and refinancing as rates begin their slow rise.
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Specifically the report -
- Analyzes the relative performance of the major sectors of Australias mortgage market, including mutuals, banks, and non-ADI lenders.
- Reviews the drivers behind recent market performance.
- Forecasts balances outstanding for both mutual and bank lenders, looking at the evolving growth of the investment property, owner-occupier, and first home buyer segments.
- Forecasts future drivers of growth and product features.

Scope:

- Market growth was a surprisingly strong 6.8% in balances in 2017 as first home buyers returned to the market towards the end of the year.
- Gross advances will grow at a more modest 4.6% in 2018, supported by refinancing ahead of late 2018 monetary tightening and enduring strength from first home buyers.
- Wholesale lenders are expected to gain market share in 2018 as authorized deposit-taking institutions (ADIs) remain cautious, although brokers will continue to grow as a distribution channel.

Reasons to buy:

- Which factors will impact the supply of mortgage lending?
- Which factors will affect consumer demand for mortgages?
- Which sectors offer the best prospects and opportunities for expansion over the next few years?
- What will be the market share of key mortgage sectors over the next few years?
- What fintechs are making an impact on lenders and borrowers in the Australian mortgage market?
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– More Clear Details get Full Table of Contents_https://www.researchmoz.us/australian-mortgage-market-forecasts-and-future-opportunities-2018-report.html/toc
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Table of Contents

1. EXECUTIVE SUMMARY 2
1.1. Slower growth is ahead, but the market is still on track to exceed A$2tn 2
1.2. Key findings 2
1.3. Critical success factors 2
2. MORTGAGE MARKET REVIEW 8
2.1. Growth continues to moderate as new lending falls off late in 2017 8
2.1.1. Australias residential mortgage market was worth A$1,770bn at the end of 2017 8
2.1.2. When the regulator speaks, the market moves 9
2.2. Mortgage growth is derived almost entirely from owner-occupiers, but first-time buyers are returning to the market 11
2.2.1. Higher rates and tighter criteria have dampened the once-booming investor segment 11
2.2.2. Residential mortgage underwriting remains dominated by bank ADIs 12
2.3. Market profitability has been under strain as net interest margins remain at all-time lows 13
2.3.1. Even major banks are struggling with margin compression, although RBA rate rises could change the picture 13
2.4. Market activity continues to heavily feature refinancing, with talk of a construction glut not figuring prominently in lending data 15
2.4.1. Gross advances in 2017 were higher based on a recovery of investor activity 15
2.4.2. RBA base rate increases are not expected until late 2018 at the earliest 18
3. THE FUTURE DECODED 21
3.1. Australian mortgage lenders can expect higher balances but not high lending volumes 21
3.1.1. Growth will return to normal - if the market remembers what that is 21
3.1.2. Bank lenders will see growth rates in line with market totals 22
3.1.3. Credit unions and building societies will be strongest over the forecast period 23
3.1.4. Wholesale lenders will claw back market share from ADIs as niche mortgage products revive 24
3.1.5. Gross advances will increase in 2018, driven by refinancing and first home buyers 25
3.2. Mortgage lending over the forecast period will be affected by regulation, interest rate increases, and affordability 26
3.2.1. Factors that are relevant but discounted over the forecast period 28
4. MARKET TRENDS 31
4.1. The owner-occupier market will be driven by consumer confidence 31
4.1.1. Improving but erratic consumer confidence will boost growth at the margins of the owner-occupier market 31
4.1.2. Property prices finally hit a wall in the key Sydney market, but are rebounding elsewhere 32
4.1.3. Affordability for other owner-occupiers has stayed relatively steady, but suffers from considerable interest rate risk 34
4.2. Investor activity will be moderated by the glut of inner-city apartment completions 35
4.2.1. Income from investment properties is no longer what it once was 36
4.2.2. Demand from foreign investors has become a contentious element of the market, but much of it is funneled into new builds 37
4.2.3. Government policy will remain broadly supportive of the domestic investor segment but more restrictive for foreigners 39
4.2.4. While dampened by heightened demand for fixed-rate mortgages, loans with offset facilities will remain a mainstay of the market 41

Continue.....31 Oct 18
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