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市場調查報告書
2011年的澳洲抵押貸款經紀人調查
The Australian Mortgage Broker Survey 2011
| 出版商 |
Datamonitor |
| 出版日期 |
2011年04月 |
商品編碼 |
220535 |
| 內容資訊 |
英文 Pages: 70 |
| 價格 |
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2011年的澳洲抵押貸款經紀人調查 是由出版商Datamonitor在2011年04月所出版的。
這份英文市場調查報告書包含Pages: 70 價格從美金2795起跳。
澳洲的住宅貸款市場中擔任重要角色的抵押貸款經紀人的業界中、目前業界重組的趨勢開始、一部分的大型企業之勢力擴大中、金融機構部分也對自我公司的系統和大型經紀人的系統之連結進行加強、認定過程正迅速化中。2008年、因手續費大幅下降的關係、經紀人之間的抱怨聲變多、對於手續費水準感到滿足所回覆的經紀人之比例部分、從2007年的63％到2009年下降21％。目前經紀人之間、為防止客戶的離開金融機構的貸款審查更加的迅速化之需求提升、在此對於經紀人的收益下降問題仍存在。
本報告書內容包括:逐漸變貌的澳洲抵押貸款經紀人業界的現況分析、經紀人所直接面臨的課題等題明確化、抵押貸款經紀人業界所影響的主要趨勢及手續費的趨勢等、內容綱要摘記如下:
概要
實施摘要
住宅貸款的規模擴大其經紀人的收益擴大
- 大部分的經紀人提供複數金融機構的住宅貸款商品
- 大部分的經紀人提供住宅貸款套組
- 大部分的經紀人使用6家金融機構
- 過去5年間經紀人所使用的住宅貸款之平均規模擴大
- 住宅貸款的平均性規模由40萬美金到49萬9,999美金
- 2010年大部分的經紀人收益擴大
- 2010年大部分的經紀人的收益比前年高
- 2010年的事業實績提升較2008年提升
- 借換商業比例增加
2008年大幅下降後、手續費維持原本的狀態
- 手續費的水準在2008年大幅的下降、最近很穩定
- 2008年中旬大型銀行的手續費水準下降
- 最一般的先付款手續費為0.5∼0.54％
- 先付款手續費在2009年以後幾乎維持平衡的狀態
- 拖延手續費的平均為0.15∼0.19％
- 過去5年間持續下滑的拖延手續費
- 經紀人的二極化
- 對於手續費水準經紀人的滿意度急速下滑
- 2007年以後對於水續費水準部分經紀人的滿意度急速下滑
- 手續費體系的評價中最高的為ANZ、最低的為CBA
- 對於手續費體系之滿意度所連帶的市場佔有率
最常被使用、評家高的金融機構為ANZ
- 經紀人商業的大部分所佔的為大型銀行
- 最多被使用的住宅貸款借資金融機構為ANZ
- 過去5年間各種變化的抵押貸款經紀人的金融機構之喜好度
- 數年來變化很大的銀行排行
- 很多抵押貸款經紀人對於ANZ的評價很高
- 經紀人的滿意度中ANZ領導其他的金融機構
- 金融機關所改善的最重要的領域為審查時間的短縮
- 經紀人對於、貸款認定基準、審查時間、手續費皆不滿意
- 應改善的最重要領域之審查時間的短縮
- 對客戶來說最重要的融資比率較高的商品附加選項
大部分的經紀人採取慎重且樂觀主義、對於手續費的趨勢感到不安
- 最大的掛念材料低落的手續費
- 規範強化也為新的掛念材料
- 很多經紀人的業界重組預測
附錄
圖表
Abstract
Introduction
The mortgage broker channel has assumed an pivotal role in the distribution of
residential mortgages in Australia. However, pressure on broker commissions
has led to serious concern among industry participants. This report looks at
how the mortgage broker channel is changing and focuses on issues and
challenges faced by brokers.
Features and benefits
- Track important broker metrics such as loan size, refinancing proportion
and product set.
- Understand the impact of commission cuts on the mortgage broker channel.
- Learn the optimal structure of commissions to maximize broker satisfaction.
- Perfect your strategy with Datamonitor's analysis, recommendations and
forecasts.
- Learn about mortgage broker outlook, market predictions, concerns and
attitudes.
Highlights
As consolidation occurs within the mortgage broker industry - and companies
consequently become bigger - players can more easily offer a large panel of
lenders. From a mortgage lender's point of view, the closer they can tie their
systems to large broker companies, the easier and quicker approval processes
can become.
Given the drastic commission cuts experienced in 2008, it is not surprising
that broker satisfaction with commission levels fell between 2007 and 2009. In
2007, 63% of brokers were very or quite satisfied, a proportion which had
fallen to 21% by 2009. Over the same period, the very or quite dissatisfied
proportion rose from 13% to 46% of brokers.
When asked to name the most important area for lenders to improve, 30% of
brokers mentioned loan approval and turnaround times. Since long loan approval
times can cost sales - and since there are no commissions to be made from a
customer whose business has been lost - keeping loan approval times low is
vital to mortgage brokers.
Your key questions answered
- How many lenders to brokers commonly use on average?
- What are the major areas of improvement brokers see in their lenders?
- What is the most highly regarded lender according to mortgage brokers?
- What are the key trends affecting the mortgage broker industry?
- How can lenders optimize their relationship with the mortgage broker
channel?
Table of Contents
OVERVIEW
EXECUTIVE SUMMARY
- Higher loan sizes have increased broker revenues
- The majority of brokers use six lenders
- The average broker loan size has increased significantly over the last
five years
- A majority of brokers had higher revenues in 2010 than in 2009
- Refinancing as a proportion of broker business has picked up somewhat
- Commissions have remained stable since the cuts in 2008
- The major banks reduced commission levels in mid-2008
- The most common average upfront commission is between 50 to 54 basis
points
- The most common average trail commission is between 15 to 19 basis points
- Brokers have become more polarized regarding the structure of their
commission schemes
- Broker satisfaction with commission levels has dropped sharply since 2007
- ANZ is regarded as having the best commission scheme, and CBA as having
the worst
- Commission scheme satisfaction and market share go hand in hand
- ANZ has become the most commonly used and highly regarded lender
- ANZ has become the most commonly used main lender
- ANZ is regarded as the best lender by mortgage brokers
- ANZ has leapfrogged the competition in the last few years when it comes
to broker satisfaction
- Brokers are the least satisfied with loan approval criteria, turnaround
times, and commissions
- Brokers see turnaround times as the most important area for lenders to
improve
- Brokers are cautiously optimistic, but commissions remain a concern
- Most brokers expect commissions to remain stable in 2011
- Most brokers expect business to improve in 2011
- Although broker confidence has edged up since 2009, it is still a far
cry from its heyday
- Reduced commissions represent the greatest concern for mortgage brokers
- Increased regulations have recently caused greater concern
- Brokers believe the industry will consolidate and that lenders lack
competition
HIGHER LOAN SIZES HAVE INCREASED BROKER REVENUES
- Most brokers offer a range of mortgage products from several lenders
- Most brokers offer mortgage packages
- The majority of brokers use six lenders
- The average broker loan size has increased over the last five years
- The most common average loan size is now between $400,000 and $499,999
- The average broker loan size has increased significantly over the last
five years
- Most brokers saw increased revenues in 2010
- A majority of brokers had higher revenues in 2010 than in 2009
- Broker business performance in 2010 sped up compared to 2008
- Refinancing as a proportion of broker business has picked up somewhat
COMMISSIONS HAVE REMAINED STABLE SINCE THE CUTS IN 2008
- Commission levels fell sharply in 2008 but have recently stabilized
- The major banks reduced commission levels in mid-2008
- The most common average upfront commission is between 50 to 54 basis
points
- Upfront commissions have been relatively stable since 2009
- The most common average trail commission is between 15 to 19 basis points
- Trail commissions have dropped over the last five years
- Brokers have become more polarized regarding the structure of their
commission schemes
- Broker satisfaction with commission levels has plummeted
- Broker satisfaction with commission levels has dropped sharply since 2007
- ANZ is regarded as having the best commission scheme, and CBA as having
the worst
- Commission scheme satisfaction and market share go hand in hand
ANZ HAS BECOME THE MOST COMMONLY USED AND HIGHLY REGARDED LENDER
- The major banks have a dominant share of broker business
- ANZ has become the most commonly used main lender
- Mortgage brokers preference for lenders has shifted over the last few
years
- Bank rankings have completely changed in the last few years
- ANZ is regarded as the best lender by mortgage brokers
- ANZ has leapfrogged the competition in the last few years when it comes
to broker satisfaction
- Turnaround times remain the most important area of improvement for lenders
- Brokers are the least satisfied with loan approval criteria, turnaround
times, and commissions
- Brokers see turnaround times as the most important area for lenders to
improve
- Brokers see higher LVR options as the most important feature for their
clients
BROKERS ARE CAUTIOUSLY OPTIMISTIC, BUT COMMISSIONS REMAIN A CONCERN
- Brokers are optimistic revenues will increase in 2011
- Most brokers expect commissions to remain stable in 2011
- Most brokers expect business to improve in 2011
- Although broker confidence has edged up since 2009, it is still a far
cry from its heyday
- Commission cuts and increased regulatory requirements concern brokers
- Reduced commissions are the number one worry for mortgage brokers
- Increased regulations have recently caused greater concern
- Brokers believe the industry will consolidate, that lenders lack
competition, and that fixed rates will remain unpopular
APPENDIX
- Data tables
- Methodology
- Further reading
- Ask the analyst
- Datamonitor consulting
- Disclaimer
TABLES
- Table: Upfront and trail commission segments
- Table: Combined upfront and trail commission segments
- Table: Broker attitude statements
- Table: Question: “what mortgage products do you currently sell?”
- Table: Question: “how many lenders do you commonly use?”
- Table: Question: “what is your average loan size?”
- Table: Question: “what is your average loan size?2006 - 11
- Table: Question: “how did your mortgage business perform in 2010 compared
to 2009?”
- Table: Question: “how did your mortgage business perform this year
compared to the previous year?” 2009 - 11
- Table: Question: “what proportion of the value of your business was based
on refinancing?” 2006 - 11
- Table: Question: “which three lenders do you use the most, starting with
your main lender?”
- Table: The proportion of brokers using each bank as a top three lender,
2006 - 11
- Table: Question: “in your opinion, which bank was the best lender last
year?” 2009 - 11
- Table: Question: “how do you rate the main lender that you deal with?”
- Table: Question: “how do you rate the main lender than you deal with?” 2007
- 11
- Table: Question: “please rank the three most important areas for lenders
to improve in, starting with the most important”
- Table: Question: “please rank the three most important features for your
clients, starting with the most important”
- Table: Question: “what is the average upfront commission on your loans?”
- Table: Question: “what is the average upfront commission on your
loans?” 2006 - 11
- Table: Question: “what is the average trail commission rate on your loans?”
- Table: Question: “what is the average trail commission rate on your
loans?” 2006 - 11
- Table: Question: “if you could change your commission structure, which of
the following would you choose?” 2006 - 11
- Table: Question: “how satisfied are you with your current commission
levels?”
- Table: Question: “in your opinion, which lender has the best and worst
commission schemes?”
- Table: Question: “do you expect commissions to increase, decrease, or stay
the same in the next 12 months?”
- Table: Question: “how do you expect your mortgage business to perform in
2011 compared to 2010?”
- Table: Question: “how do you expect your mortgage business to perform this
year compared to last year?” 2006 - 11
- Table: Question: “do you expect any changes in the level of refinancing in
2011?”
- Table: Question: “do you expect any changes in the level of refinancing
this year?” 2006 - 11
- Table: Question: “how concerned are you about the following?”
- Table: Question: “how concerned are you about the following?” (quite
concerned or very concerned), 2009 - 11
- Table: Question: “please rate the following attitude statements”
- Table: Question: “please rate the following attitude statements”
FIGURES
- Figure: Most brokers offer mortgage packages
- Figure: Brokers commonly use six lenders
- Figure: Brokers commonly have an average loan size between $400,000 and
$499,999
- Figure: The average broker loan size has increased significantly over the
last five years
- Figure: A majority of brokers recorded higher revenues in 2010 than in 2009
- Figure: In the 2011 survey fewer brokers reported stagnant revenues for
the previous year than in 2009
- Figure: Refinancing accounts for a large proportion of broker business
- Figure: The proportion of business due to refinancing has recently
increased
- Figure: The most common average upfront commission is between 50 to 54
basis points
- Figure: Average upfront commissions dropped sharply in 2008
- Figure: The most common average trail commission is between 15 to 19 basis
points
- Figure: Trail commissions have dropped over the last five years
- Figure: Brokers have become more polarized regarding the structure of
their commission schemes
- Figure: Broker satisfaction with commission levels has dropped sharply
since 2007
- Figure: ANZ is regarded as having the best commission scheme
- Figure: CBA is regarded as having the worst commission scheme
- Figure: Commission scheme satisfaction and market share go hand in hand
- Figure: ANZ has become the most commonly used main lender
- Figure: ANZ and CBA are most commonly used as top three lenders by brokers
- Figure: Mortgage brokers preference for lenders has shifted over the last
few years
- Figure: ANZ is regarded as the best lender by mortgage brokers
- Figure: ANZ has leapfrogged the competition in the last few years when it
comes to broker satisfaction
- Figure: Brokers are generally unsatisfied with loan approval criteria
- Figure: Broker satisfaction with commissions has dropped since 2007
- Figure: Brokers see turnaround times as the most important area for
lenders to improve
- Figure: Brokers see turnaround times as the most important area for
lenders to improve
- Figure: Brokers see higher LVR options as the most important feature for
their clients
- Figure: Most brokers expect commissions to remain stable in 2011
- Figure: Most brokers expect business to improve in 2011
- Figure: Broker business confidence has increased since 2009 but is still
far from 2006 levels
- Figure: Refinancing activity is expected to remain relatively stable
- Figure: Brokers have expected rising refinancing levels for years
- Figure: Reduced commissions are the greatest concern for mortgage brokers
- Figure: Increased regulations have recently caused greater concern
- Figure: Brokers agree that their numbers will decline in 2011
- Figure: Brokers are split on the risk of mortgage stress for consumers
- Figure: Brokers disagree with the notion that mortgagors will use the
channel less
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