Series 2014-1 WST Trust Collateral Pool Data Period Ending: 06-Jan-21 06-Dec-20 06-Nov-20 06-Oct-20 Housing Loan Summary Number of Housing Loans 2,634 2,664 2,703 2,745 Housing Loan Pool Size (A$) 532,904,470 541,537,387 551,272,978 563,216,781 Average Housing Loan Balance (A$) 202,318 203,280 203,949 205,179 Maximum Housing Loan Balance (A$) 1,175,891 1,175,891 1,175,891 1,175,891 Total Valuation of the Properties 1,563,138,554 1,581,799,657 1,606,637,388 1,624,807,334 Weighted Average Current Loan-to-Value Ratio (Unidexed) 48.80% 48.99% 49.26% 49.45% Weighted Average Current Limit Loan-to-Value Ratio (Unidexed) ** 51.98% 52.18% 52.44% 52.62% Weighted Average Seasoning (months) 117 116 115 114 Weighted Average Remaining Term To Maturity (months) 237 238 239 240 Maximum Current Remaining Term to Maturity (Months) 320 321 322 323 Percentage of Interest Only 13.42% 13.93% 13.88% 13.93% Percentage of Principal and Interest Only 86.58% 86.07% 86.12% 86.07% Percentage Owner Occupied (Product) * 63.48% 63.39% 63.37% 63.34% Percentage Owner Occupied (EFS) ** 54.69% 54.60% 54.48% Percentage Foreign Borrower * 4.80% 4.72% 4.64% 4.54% Percentage Australian Citizens Residing Offshore (Expats)** 2.66% 2.62% 2.57% 2.52% Weighted Average Interest Rate 3.50% 3.52% 3.55% 3.57% * Publication commenced January 2019 Delinquencies 31-60 days No. of Loans 12 4 3 3 Balance (A$) 2,751,966 942,271 947,200 1,374,174 % of Period Pool Balance 0.52% 0.17% 0.17% 0.24% 61-90 days No. of Loans 6 7 7 6 Balance (A$) 1,647,354 2,132,390 2,609,471 1,441,363 % of Period Pool Balance 0.31% 0.39% 0.47% 0.26% 91-120 days No. of Loans 2 4 4 7 Balance (A$) 704,233 1,381,029 785,672 2,015,717 % of Period Pool Balance 0.13% 0.26% 0.14% 0.36% 121 + days No. of Loans 31 30 32 32 Balance (A$) 8,999,619 8,280,565 9,750,598 9,675,236 % of Period Pool Balance 1.69% 1.53% 1.77% 1.72% Total Delinquencies No. of Loans 51 45 46 48 Balance (A$) 14,103,172 12,736,255 14,092,941 14,506,490 % of Period Pool Balance 2.65% 2.35% 2.56% 2.58% Reported delinquencies after November 2015 include accounts that are in the serviceability hold out period i.e. performing loans in hardship that continue to be reported as delinquent until the customer has maintained full repayments for 6 months. Foreclosures No. of Loans - - 4 1 Balance (A$) - - 529,271 57,690 % of Period Pool Balance 0.00% 0.00% 0.10% 0.01% Loss and Recovery Data (Cumulative) Mortgage Insurance Proceeds (Claims under Mortgage Insurance)(A$) 681,747 681,747 529,271 529,271 Mortgage Shortfall (Net Losses) (A$) 1,104,554 1,104,554 1,046,703 1,046,703 Mortgage Shortfall (Net Losses) as % of Period Pool Balance 0.21% 0.20% 0.19% 0.19% Prepayment Information (CPR) 1 Month CPR (%) 13.75% 15.91% 19.02% 10.10% 3 Month CPR (%) 16.26% 15.13% 14.50% 13.16% 12 Month CPR (%) 15.46% 15.15% 15.16% 14.70% Cumulative CPR (%) 18.38% 18.44% 18.47% 18.47% 00.01% - 50.00% 50.92% 49.92% 49.51% 49.01% 50.01% - 55.00% 7.68% 8.67% 8.18% 8.54% 55.01% - 60.00% 8.25% 7.46% 7.91% 7.85% 60.01% - 65.00% 8.21% 8.66% 8.74% 8.58% 65.01% - 70.00% 10.89% 10.96% 10.86% 10.95% 70.01% - 75.00% 5.99% 6.08% 6.20% 6.15% 75.01% - 80.00% 5.86% 6.04% 6.13% 6.29% 80.01% - 85.00% 1.40% 1.42% 1.55% 1.73% 85.01% - 90.00% 0.46% 0.45% 0.58% 0.57% 90.01% - 95.00% 0.26% 0.25% 0.25% 0.25% 95.01% - 100.00% 0.04% 0.00% 0.00% 0.00% > 100.01% 0.04% 0.09% 0.09% 0.08% Total 100.00% 100.00% 100.00% 100.00% Profile by Current Loan-to-Value Ratio (% of Period Pool Balance)
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Series 2014-1 WST Trust Collateral Pool Data Period Ending ... · Series 2014-1 WST Trust Collateral Pool Data Period Ending: Housing Loan Summary Number of Housing Loans Housing
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Series 2014-1 WST TrustCollateral Pool Data
Period Ending: 06-Jan-21 06-Dec-20 06-Nov-20 06-Oct-20
Housing Loan Summary
Number of Housing Loans 2,634 2,664 2,703 2,745Housing Loan Pool Size (A$) 532,904,470 541,537,387 551,272,978 563,216,781Average Housing Loan Balance (A$) 202,318 203,280 203,949 205,179Maximum Housing Loan Balance (A$) 1,175,891 1,175,891 1,175,891 1,175,891Total Valuation of the Properties 1,563,138,554 1,581,799,657 1,606,637,388 1,624,807,334
Weighted Average Current Loan-to-Value Ratio (Unidexed) 48.80% 48.99% 49.26% 49.45%Weighted Average Current Limit Loan-to-Value Ratio (Unidexed) ** 51.98% 52.18% 52.44% 52.62%
Weighted Average Seasoning (months) 117 116 115 114Weighted Average Remaining Term To Maturity (months) 237 238 239 240Maximum Current Remaining Term to Maturity (Months) 320 321 322 323
Percentage of Interest Only 13.42% 13.93% 13.88% 13.93%Percentage of Principal and Interest Only 86.58% 86.07% 86.12% 86.07%
No. of Loans 12 4 3 3Balance (A$) 2,751,966 942,271 947,200 1,374,174% of Period Pool Balance 0.52% 0.17% 0.17% 0.24%
61-90 daysNo. of Loans 6 7 7 6Balance (A$) 1,647,354 2,132,390 2,609,471 1,441,363% of Period Pool Balance 0.31% 0.39% 0.47% 0.26%
91-120 daysNo. of Loans 2 4 4 7Balance (A$) 704,233 1,381,029 785,672 2,015,717% of Period Pool Balance 0.13% 0.26% 0.14% 0.36%
121 + daysNo. of Loans 31 30 32 32Balance (A$) 8,999,619 8,280,565 9,750,598 9,675,236% of Period Pool Balance 1.69% 1.53% 1.77% 1.72%
Total DelinquenciesNo. of Loans 51 45 46 48Balance (A$) 14,103,172 12,736,255 14,092,941 14,506,490% of Period Pool Balance 2.65% 2.35% 2.56% 2.58%
Reported delinquencies after November 2015 include accounts that are in the serviceability hold out period i.e. performing loans in hardship that continue to be reported as delinquent until the customer has maintained full repayments for 6 months.
ForeclosuresNo. of Loans - - 4 1 Balance (A$) - - 529,271 57,690 % of Period Pool Balance 0.00% 0.00% 0.10% 0.01%
Loss and Recovery Data (Cumulative)
Mortgage Insurance Proceeds (Claims under Mortgage Insurance)(A$) 681,747 681,747 529,271 529,271 Mortgage Shortfall (Net Losses) (A$) 1,104,554 1,104,554 1,046,703 1,046,703 Mortgage Shortfall (Net Losses) as % of Period Pool Balance 0.21% 0.20% 0.19% 0.19%
Profile by Geographic Distribution (% of Period Pool Balance)Australian Capital Territory - Metropolitan 2.12% 2.09% 2.08% 2.09%Australian Capital Territory - Nonmetropolitan 0.00% 0.00% 0.00% 0.00%New South Wales - Metropolitan 21.99% 21.81% 21.66% 21.54%New South Wales - Nonmetropolitan 6.23% 6.23% 6.51% 6.76%Northern Territory - Metropolitan 1.36% 1.35% 1.33% 1.31%Northern Territory - Nonmetropolitan 0.20% 0.20% 0.19% 0.18%Queensland - Metropolitan 9.14% 9.07% 9.13% 9.23%Queensland - Nonmetropolitan 8.95% 8.99% 9.04% 8.95%South Australia - Metropolitan 3.57% 3.70% 3.64% 3.68%South Australia - Nonmetropolitan 0.63% 0.62% 0.65% 0.64%Tasmania - Metropolitan 0.58% 0.57% 0.58% 0.57%Tasmania - Nonmetropolitan 0.60% 0.59% 0.58% 0.59%Victoria - Metropolitan 20.57% 20.62% 20.48% 20.62%Victoria - Nonmetropolitan 3.10% 3.06% 3.05% 3.03%Western Australia - Metropolitan 17.49% 17.67% 17.69% 17.47%Western Australia - Nonmetropolitan 3.46% 3.42% 3.38% 3.33%Others 0.01% 0.01% 0.01% 0.01%Total 100.00% 100.00% 100.00% 100.00%
Series 2014-1 WST TrustCollateral Pool Data
Period Ending:
Housing Loan Summary
Number of Housing LoansHousing Loan Pool Size (A$)Average Housing Loan Balance (A$)Maximum Housing Loan Balance (A$)Total Valuation of the Properties
Weighted Average Current Loan-to-Value Ratio (Unidexed)Weighted Average Current Limit Loan-to-Value Ratio (Unidexed) **
Weighted Average Seasoning (months)Weighted Average Remaining Term To Maturity (months)Maximum Current Remaining Term to Maturity (Months)
Percentage of Interest Only Percentage of Principal and Interest Only
Percentage Owner Occupied (Product) *Percentage Owner Occupied (EFS) **Percentage Foreign Borrower *Percentage Australian Citizens Residing Offshore (Expats)**Weighted Average Interest Rate
* Publication commenced January 2019
Delinquencies31-60 days
No. of LoansBalance (A$)% of Period Pool Balance
61-90 daysNo. of LoansBalance (A$)% of Period Pool Balance
91-120 daysNo. of LoansBalance (A$)% of Period Pool Balance
121 + daysNo. of LoansBalance (A$)% of Period Pool Balance
Total DelinquenciesNo. of LoansBalance (A$)% of Period Pool Balance
Reported delinquencies after November 2015 include accounts that are in the serviceability hold out period i.e. performing loans in hardship that continue to be reported as delinquent until the customer has maintained full repayments for 6 months.
ForeclosuresNo. of Loans Balance (A$) % of Period Pool Balance
Loss and Recovery Data (Cumulative)
Mortgage Insurance Proceeds (Claims under Mortgage Insurance)(A$) Mortgage Shortfall (Net Losses) (A$)Mortgage Shortfall (Net Losses) as % of Period Pool Balance
Profile by Loan ProductFirst Option Home LoanFixed Option Home Loan Fixed Option Home Loan - Low DocFlexi First Option Home LoanFlexi First Option Investment LoanIPL - First Option IPL - Fixed Rate IPL - Fixed Rate - Low DocIPL - Variable Rate IPL - Variable Rate - Low DocPremium Option Home Loan Premium Option Home Loan - Low DocRocket - Housing Loan Variable - MSSRocket - Variable - IPL - MSSRocket - Housing Loan Variable - Low DocRocket - Variable - IPL - Low DocOtherTotal
Profile by Loan Rate (% of Period Pool Balance)<= 2.50%2.51% - 3.00%3.01% - 3.50%3.51% - 4.00%4.01% - 4.50%4.51% - 5.00%5.01% - 5.50%5.51% - 6.00%> 6.00%Total
Profile by Geographic Distribution (% of Period Pool Balance)Australian Capital Territory - MetropolitanAustralian Capital Territory - NonmetropolitanNew South Wales - MetropolitanNew South Wales - NonmetropolitanNorthern Territory - MetropolitanNorthern Territory - NonmetropolitanQueensland - MetropolitanQueensland - NonmetropolitanSouth Australia - MetropolitanSouth Australia - NonmetropolitanTasmania - MetropolitanTasmania - NonmetropolitanVictoria - MetropolitanVictoria - NonmetropolitanWestern Australia - MetropolitanWestern Australia - NonmetropolitanOthersTotal
Number of Housing LoansHousing Loan Pool Size (A$)Average Housing Loan Balance (A$)Maximum Housing Loan Balance (A$)Total Valuation of the Properties
Weighted Average Current Loan-to-Value Ratio (Unidexed)Weighted Average Current Limit Loan-to-Value Ratio (Unidexed) **
Weighted Average Seasoning (months)Weighted Average Remaining Term To Maturity (months)Maximum Current Remaining Term to Maturity (Months)
Percentage of Interest Only Percentage of Principal and Interest Only
Percentage Owner Occupied (Product) *Percentage Owner Occupied (EFS) **Percentage Foreign Borrower *Percentage Australian Citizens Residing Offshore (Expats)**Weighted Average Interest Rate
* Publication commenced January 2019
Delinquencies31-60 days
No. of LoansBalance (A$)% of Period Pool Balance
61-90 daysNo. of LoansBalance (A$)% of Period Pool Balance
91-120 daysNo. of LoansBalance (A$)% of Period Pool Balance
121 + daysNo. of LoansBalance (A$)% of Period Pool Balance
Total DelinquenciesNo. of LoansBalance (A$)% of Period Pool Balance
Reported delinquencies after November 2015 include accounts that are in the serviceability hold out period i.e. performing loans in hardship that continue to be reported as delinquent until the customer has maintained full repayments for 6 months.
ForeclosuresNo. of Loans Balance (A$) % of Period Pool Balance
Loss and Recovery Data (Cumulative)
Mortgage Insurance Proceeds (Claims under Mortgage Insurance)(A$) Mortgage Shortfall (Net Losses) (A$)Mortgage Shortfall (Net Losses) as % of Period Pool Balance
Profile by Loan ProductFirst Option Home LoanFixed Option Home Loan Fixed Option Home Loan - Low DocFlexi First Option Home LoanFlexi First Option Investment LoanIPL - First Option IPL - Fixed Rate IPL - Fixed Rate - Low DocIPL - Variable Rate IPL - Variable Rate - Low DocPremium Option Home Loan Premium Option Home Loan - Low DocRocket - Housing Loan Variable - MSSRocket - Variable - IPL - MSSRocket - Housing Loan Variable - Low DocRocket - Variable - IPL - Low DocOtherTotal
Profile by Loan Rate (% of Period Pool Balance)<= 2.50%2.51% - 3.00%3.01% - 3.50%3.51% - 4.00%4.01% - 4.50%4.51% - 5.00%5.01% - 5.50%5.51% - 6.00%> 6.00%Total
Profile by Geographic Distribution (% of Period Pool Balance)Australian Capital Territory - MetropolitanAustralian Capital Territory - NonmetropolitanNew South Wales - MetropolitanNew South Wales - NonmetropolitanNorthern Territory - MetropolitanNorthern Territory - NonmetropolitanQueensland - MetropolitanQueensland - NonmetropolitanSouth Australia - MetropolitanSouth Australia - NonmetropolitanTasmania - MetropolitanTasmania - NonmetropolitanVictoria - MetropolitanVictoria - NonmetropolitanWestern Australia - MetropolitanWestern Australia - NonmetropolitanOthersTotal
Number of Housing LoansHousing Loan Pool Size (A$)Average Housing Loan Balance (A$)Maximum Housing Loan Balance (A$)Total Valuation of the Properties
Weighted Average Current Loan-to-Value Ratio (Unidexed)Weighted Average Current Limit Loan-to-Value Ratio (Unidexed) **
Weighted Average Seasoning (months)Weighted Average Remaining Term To Maturity (months)Maximum Current Remaining Term to Maturity (Months)
Percentage of Interest Only Percentage of Principal and Interest Only
Percentage Owner Occupied (Product) *Percentage Owner Occupied (EFS) **Percentage Foreign Borrower *Percentage Australian Citizens Residing Offshore (Expats)**Weighted Average Interest Rate
* Publication commenced January 2019
Delinquencies31-60 days
No. of LoansBalance (A$)% of Period Pool Balance
61-90 daysNo. of LoansBalance (A$)% of Period Pool Balance
91-120 daysNo. of LoansBalance (A$)% of Period Pool Balance
121 + daysNo. of LoansBalance (A$)% of Period Pool Balance
Total DelinquenciesNo. of LoansBalance (A$)% of Period Pool Balance
Reported delinquencies after November 2015 include accounts that are in the serviceability hold out period i.e. performing loans in hardship that continue to be reported as delinquent until the customer has maintained full repayments for 6 months.
ForeclosuresNo. of Loans Balance (A$) % of Period Pool Balance
Loss and Recovery Data (Cumulative)
Mortgage Insurance Proceeds (Claims under Mortgage Insurance)(A$) Mortgage Shortfall (Net Losses) (A$)Mortgage Shortfall (Net Losses) as % of Period Pool Balance
Profile by Loan ProductFirst Option Home LoanFixed Option Home Loan Fixed Option Home Loan - Low DocFlexi First Option Home LoanFlexi First Option Investment LoanIPL - First Option IPL - Fixed Rate IPL - Fixed Rate - Low DocIPL - Variable Rate IPL - Variable Rate - Low DocPremium Option Home Loan Premium Option Home Loan - Low DocRocket - Housing Loan Variable - MSSRocket - Variable - IPL - MSSRocket - Housing Loan Variable - Low DocRocket - Variable - IPL - Low DocOtherTotal
Profile by Loan Rate (% of Period Pool Balance)<= 2.50%2.51% - 3.00%3.01% - 3.50%3.51% - 4.00%4.01% - 4.50%4.51% - 5.00%5.01% - 5.50%5.51% - 6.00%> 6.00%Total
Profile by Geographic Distribution (% of Period Pool Balance)Australian Capital Territory - MetropolitanAustralian Capital Territory - NonmetropolitanNew South Wales - MetropolitanNew South Wales - NonmetropolitanNorthern Territory - MetropolitanNorthern Territory - NonmetropolitanQueensland - MetropolitanQueensland - NonmetropolitanSouth Australia - MetropolitanSouth Australia - NonmetropolitanTasmania - MetropolitanTasmania - NonmetropolitanVictoria - MetropolitanVictoria - NonmetropolitanWestern Australia - MetropolitanWestern Australia - NonmetropolitanOthersTotal
Number of Housing LoansHousing Loan Pool Size (A$)Average Housing Loan Balance (A$)Maximum Housing Loan Balance (A$)Total Valuation of the Properties
Weighted Average Current Loan-to-Value Ratio (Unidexed)Weighted Average Current Limit Loan-to-Value Ratio (Unidexed) **
Weighted Average Seasoning (months)Weighted Average Remaining Term To Maturity (months)Maximum Current Remaining Term to Maturity (Months)
Percentage of Interest Only Percentage of Principal and Interest Only
Percentage Owner Occupied (Product) *Percentage Owner Occupied (EFS) **Percentage Foreign Borrower *Percentage Australian Citizens Residing Offshore (Expats)**Weighted Average Interest Rate
* Publication commenced January 2019
Delinquencies31-60 days
No. of LoansBalance (A$)% of Period Pool Balance
61-90 daysNo. of LoansBalance (A$)% of Period Pool Balance
91-120 daysNo. of LoansBalance (A$)% of Period Pool Balance
121 + daysNo. of LoansBalance (A$)% of Period Pool Balance
Total DelinquenciesNo. of LoansBalance (A$)% of Period Pool Balance
Reported delinquencies after November 2015 include accounts that are in the serviceability hold out period i.e. performing loans in hardship that continue to be reported as delinquent until the customer has maintained full repayments for 6 months.
ForeclosuresNo. of Loans Balance (A$) % of Period Pool Balance
Loss and Recovery Data (Cumulative)
Mortgage Insurance Proceeds (Claims under Mortgage Insurance)(A$) Mortgage Shortfall (Net Losses) (A$)Mortgage Shortfall (Net Losses) as % of Period Pool Balance
Profile by Loan ProductFirst Option Home LoanFixed Option Home Loan Fixed Option Home Loan - Low DocFlexi First Option Home LoanFlexi First Option Investment LoanIPL - First Option IPL - Fixed Rate IPL - Fixed Rate - Low DocIPL - Variable Rate IPL - Variable Rate - Low DocPremium Option Home Loan Premium Option Home Loan - Low DocRocket - Housing Loan Variable - MSSRocket - Variable - IPL - MSSRocket - Housing Loan Variable - Low DocRocket - Variable - IPL - Low DocOtherTotal
Profile by Loan Rate (% of Period Pool Balance)<= 2.50%2.51% - 3.00%3.01% - 3.50%3.51% - 4.00%4.01% - 4.50%4.51% - 5.00%5.01% - 5.50%5.51% - 6.00%> 6.00%Total
Profile by Geographic Distribution (% of Period Pool Balance)Australian Capital Territory - MetropolitanAustralian Capital Territory - NonmetropolitanNew South Wales - MetropolitanNew South Wales - NonmetropolitanNorthern Territory - MetropolitanNorthern Territory - NonmetropolitanQueensland - MetropolitanQueensland - NonmetropolitanSouth Australia - MetropolitanSouth Australia - NonmetropolitanTasmania - MetropolitanTasmania - NonmetropolitanVictoria - MetropolitanVictoria - NonmetropolitanWestern Australia - MetropolitanWestern Australia - NonmetropolitanOthersTotal
Number of Housing LoansHousing Loan Pool Size (A$)Average Housing Loan Balance (A$)Maximum Housing Loan Balance (A$)Total Valuation of the Properties
Weighted Average Current Loan-to-Value Ratio (Unidexed)Weighted Average Current Limit Loan-to-Value Ratio (Unidexed) **
Weighted Average Seasoning (months)Weighted Average Remaining Term To Maturity (months)Maximum Current Remaining Term to Maturity (Months)
Percentage of Interest Only Percentage of Principal and Interest Only
Percentage Owner Occupied (Product) *Percentage Owner Occupied (EFS) **Percentage Foreign Borrower *Percentage Australian Citizens Residing Offshore (Expats)**Weighted Average Interest Rate
* Publication commenced January 2019
Delinquencies31-60 days
No. of LoansBalance (A$)% of Period Pool Balance
61-90 daysNo. of LoansBalance (A$)% of Period Pool Balance
91-120 daysNo. of LoansBalance (A$)% of Period Pool Balance
121 + daysNo. of LoansBalance (A$)% of Period Pool Balance
Total DelinquenciesNo. of LoansBalance (A$)% of Period Pool Balance
Reported delinquencies after November 2015 include accounts that are in the serviceability hold out period i.e. performing loans in hardship that continue to be reported as delinquent until the customer has maintained full repayments for 6 months.
ForeclosuresNo. of Loans Balance (A$) % of Period Pool Balance
Loss and Recovery Data (Cumulative)
Mortgage Insurance Proceeds (Claims under Mortgage Insurance)(A$) Mortgage Shortfall (Net Losses) (A$)Mortgage Shortfall (Net Losses) as % of Period Pool Balance
Profile by Loan ProductFirst Option Home LoanFixed Option Home Loan Fixed Option Home Loan - Low DocFlexi First Option Home LoanFlexi First Option Investment LoanIPL - First Option IPL - Fixed Rate IPL - Fixed Rate - Low DocIPL - Variable Rate IPL - Variable Rate - Low DocPremium Option Home Loan Premium Option Home Loan - Low DocRocket - Housing Loan Variable - MSSRocket - Variable - IPL - MSSRocket - Housing Loan Variable - Low DocRocket - Variable - IPL - Low DocOtherTotal
Profile by Loan Rate (% of Period Pool Balance)<= 2.50%2.51% - 3.00%3.01% - 3.50%3.51% - 4.00%4.01% - 4.50%4.51% - 5.00%5.01% - 5.50%5.51% - 6.00%> 6.00%Total
Profile by Geographic Distribution (% of Period Pool Balance)Australian Capital Territory - MetropolitanAustralian Capital Territory - NonmetropolitanNew South Wales - MetropolitanNew South Wales - NonmetropolitanNorthern Territory - MetropolitanNorthern Territory - NonmetropolitanQueensland - MetropolitanQueensland - NonmetropolitanSouth Australia - MetropolitanSouth Australia - NonmetropolitanTasmania - MetropolitanTasmania - NonmetropolitanVictoria - MetropolitanVictoria - NonmetropolitanWestern Australia - MetropolitanWestern Australia - NonmetropolitanOthersTotal
Number of Housing LoansHousing Loan Pool Size (A$)Average Housing Loan Balance (A$)Maximum Housing Loan Balance (A$)Total Valuation of the Properties
Weighted Average Current Loan-to-Value Ratio (Unidexed)Weighted Average Current Limit Loan-to-Value Ratio (Unidexed) **
Weighted Average Seasoning (months)Weighted Average Remaining Term To Maturity (months)Maximum Current Remaining Term to Maturity (Months)
Percentage of Interest Only Percentage of Principal and Interest Only
Percentage Owner Occupied (Product) *Percentage Owner Occupied (EFS) **Percentage Foreign Borrower *Percentage Australian Citizens Residing Offshore (Expats)**Weighted Average Interest Rate
* Publication commenced January 2019
Delinquencies31-60 days
No. of LoansBalance (A$)% of Period Pool Balance
61-90 daysNo. of LoansBalance (A$)% of Period Pool Balance
91-120 daysNo. of LoansBalance (A$)% of Period Pool Balance
121 + daysNo. of LoansBalance (A$)% of Period Pool Balance
Total DelinquenciesNo. of LoansBalance (A$)% of Period Pool Balance
Reported delinquencies after November 2015 include accounts that are in the serviceability hold out period i.e. performing loans in hardship that continue to be reported as delinquent until the customer has maintained full repayments for 6 months.
ForeclosuresNo. of Loans Balance (A$) % of Period Pool Balance
Loss and Recovery Data (Cumulative)
Mortgage Insurance Proceeds (Claims under Mortgage Insurance)(A$) Mortgage Shortfall (Net Losses) (A$)Mortgage Shortfall (Net Losses) as % of Period Pool Balance
Profile by Loan ProductFirst Option Home LoanFixed Option Home Loan Fixed Option Home Loan - Low DocFlexi First Option Home LoanFlexi First Option Investment LoanIPL - First Option IPL - Fixed Rate IPL - Fixed Rate - Low DocIPL - Variable Rate IPL - Variable Rate - Low DocPremium Option Home Loan Premium Option Home Loan - Low DocRocket - Housing Loan Variable - MSSRocket - Variable - IPL - MSSRocket - Housing Loan Variable - Low DocRocket - Variable - IPL - Low DocOtherTotal
Profile by Loan Rate (% of Period Pool Balance)<= 2.50%2.51% - 3.00%3.01% - 3.50%3.51% - 4.00%4.01% - 4.50%4.51% - 5.00%5.01% - 5.50%5.51% - 6.00%> 6.00%Total
Profile by Geographic Distribution (% of Period Pool Balance)Australian Capital Territory - MetropolitanAustralian Capital Territory - NonmetropolitanNew South Wales - MetropolitanNew South Wales - NonmetropolitanNorthern Territory - MetropolitanNorthern Territory - NonmetropolitanQueensland - MetropolitanQueensland - NonmetropolitanSouth Australia - MetropolitanSouth Australia - NonmetropolitanTasmania - MetropolitanTasmania - NonmetropolitanVictoria - MetropolitanVictoria - NonmetropolitanWestern Australia - MetropolitanWestern Australia - NonmetropolitanOthersTotal
Number of Housing LoansHousing Loan Pool Size (A$)Average Housing Loan Balance (A$)Maximum Housing Loan Balance (A$)Total Valuation of the Properties
Weighted Average Current Loan-to-Value Ratio (Unidexed)Weighted Average Current Limit Loan-to-Value Ratio (Unidexed) **
Weighted Average Seasoning (months)Weighted Average Remaining Term To Maturity (months)Maximum Current Remaining Term to Maturity (Months)
Percentage of Interest Only Percentage of Principal and Interest Only
Percentage Owner Occupied (Product) *Percentage Owner Occupied (EFS) **Percentage Foreign Borrower *Percentage Australian Citizens Residing Offshore (Expats)**Weighted Average Interest Rate
* Publication commenced January 2019
Delinquencies31-60 days
No. of LoansBalance (A$)% of Period Pool Balance
61-90 daysNo. of LoansBalance (A$)% of Period Pool Balance
91-120 daysNo. of LoansBalance (A$)% of Period Pool Balance
121 + daysNo. of LoansBalance (A$)% of Period Pool Balance
Total DelinquenciesNo. of LoansBalance (A$)% of Period Pool Balance
Reported delinquencies after November 2015 include accounts that are in the serviceability hold out period i.e. performing loans in hardship that continue to be reported as delinquent until the customer has maintained full repayments for 6 months.
ForeclosuresNo. of Loans Balance (A$) % of Period Pool Balance
Loss and Recovery Data (Cumulative)
Mortgage Insurance Proceeds (Claims under Mortgage Insurance)(A$) Mortgage Shortfall (Net Losses) (A$)Mortgage Shortfall (Net Losses) as % of Period Pool Balance
Profile by Loan ProductFirst Option Home LoanFixed Option Home Loan Fixed Option Home Loan - Low DocFlexi First Option Home LoanFlexi First Option Investment LoanIPL - First Option IPL - Fixed Rate IPL - Fixed Rate - Low DocIPL - Variable Rate IPL - Variable Rate - Low DocPremium Option Home Loan Premium Option Home Loan - Low DocRocket - Housing Loan Variable - MSSRocket - Variable - IPL - MSSRocket - Housing Loan Variable - Low DocRocket - Variable - IPL - Low DocOtherTotal
Profile by Loan Rate (% of Period Pool Balance)<= 2.50%2.51% - 3.00%3.01% - 3.50%3.51% - 4.00%4.01% - 4.50%4.51% - 5.00%5.01% - 5.50%5.51% - 6.00%> 6.00%Total
Profile by Geographic Distribution (% of Period Pool Balance)Australian Capital Territory - MetropolitanAustralian Capital Territory - NonmetropolitanNew South Wales - MetropolitanNew South Wales - NonmetropolitanNorthern Territory - MetropolitanNorthern Territory - NonmetropolitanQueensland - MetropolitanQueensland - NonmetropolitanSouth Australia - MetropolitanSouth Australia - NonmetropolitanTasmania - MetropolitanTasmania - NonmetropolitanVictoria - MetropolitanVictoria - NonmetropolitanWestern Australia - MetropolitanWestern Australia - NonmetropolitanOthersTotal
Number of Housing LoansHousing Loan Pool Size (A$)Average Housing Loan Balance (A$)Maximum Housing Loan Balance (A$)Total Valuation of the Properties
Weighted Average Current Loan-to-Value Ratio (Unidexed)Weighted Average Current Limit Loan-to-Value Ratio (Unidexed) **
Weighted Average Seasoning (months)Weighted Average Remaining Term To Maturity (months)Maximum Current Remaining Term to Maturity (Months)
Percentage of Interest Only Percentage of Principal and Interest Only
Percentage Owner Occupied (Product) *Percentage Owner Occupied (EFS) **Percentage Foreign Borrower *Percentage Australian Citizens Residing Offshore (Expats)**Weighted Average Interest Rate
* Publication commenced January 2019
Delinquencies31-60 days
No. of LoansBalance (A$)% of Period Pool Balance
61-90 daysNo. of LoansBalance (A$)% of Period Pool Balance
91-120 daysNo. of LoansBalance (A$)% of Period Pool Balance
121 + daysNo. of LoansBalance (A$)% of Period Pool Balance
Total DelinquenciesNo. of LoansBalance (A$)% of Period Pool Balance
Reported delinquencies after November 2015 include accounts that are in the serviceability hold out period i.e. performing loans in hardship that continue to be reported as delinquent until the customer has maintained full repayments for 6 months.
ForeclosuresNo. of Loans Balance (A$) % of Period Pool Balance
Loss and Recovery Data (Cumulative)
Mortgage Insurance Proceeds (Claims under Mortgage Insurance)(A$) Mortgage Shortfall (Net Losses) (A$)Mortgage Shortfall (Net Losses) as % of Period Pool Balance
Profile by Loan ProductFirst Option Home LoanFixed Option Home Loan Fixed Option Home Loan - Low DocFlexi First Option Home LoanFlexi First Option Investment LoanIPL - First Option IPL - Fixed Rate IPL - Fixed Rate - Low DocIPL - Variable Rate IPL - Variable Rate - Low DocPremium Option Home Loan Premium Option Home Loan - Low DocRocket - Housing Loan Variable - MSSRocket - Variable - IPL - MSSRocket - Housing Loan Variable - Low DocRocket - Variable - IPL - Low DocOtherTotal
Profile by Loan Rate (% of Period Pool Balance)<= 2.50%2.51% - 3.00%3.01% - 3.50%3.51% - 4.00%4.01% - 4.50%4.51% - 5.00%5.01% - 5.50%5.51% - 6.00%> 6.00%Total
Profile by Geographic Distribution (% of Period Pool Balance)Australian Capital Territory - MetropolitanAustralian Capital Territory - NonmetropolitanNew South Wales - MetropolitanNew South Wales - NonmetropolitanNorthern Territory - MetropolitanNorthern Territory - NonmetropolitanQueensland - MetropolitanQueensland - NonmetropolitanSouth Australia - MetropolitanSouth Australia - NonmetropolitanTasmania - MetropolitanTasmania - NonmetropolitanVictoria - MetropolitanVictoria - NonmetropolitanWestern Australia - MetropolitanWestern Australia - NonmetropolitanOthersTotal
Number of Housing LoansHousing Loan Pool Size (A$)Average Housing Loan Balance (A$)Maximum Housing Loan Balance (A$)Total Valuation of the Properties
Weighted Average Current Loan-to-Value Ratio (Unidexed)Weighted Average Current Limit Loan-to-Value Ratio (Unidexed) **
Weighted Average Seasoning (months)Weighted Average Remaining Term To Maturity (months)Maximum Current Remaining Term to Maturity (Months)
Percentage of Interest Only Percentage of Principal and Interest Only
Percentage Owner Occupied (Product) *Percentage Owner Occupied (EFS) **Percentage Foreign Borrower *Percentage Australian Citizens Residing Offshore (Expats)**Weighted Average Interest Rate
* Publication commenced January 2019
Delinquencies31-60 days
No. of LoansBalance (A$)% of Period Pool Balance
61-90 daysNo. of LoansBalance (A$)% of Period Pool Balance
91-120 daysNo. of LoansBalance (A$)% of Period Pool Balance
121 + daysNo. of LoansBalance (A$)% of Period Pool Balance
Total DelinquenciesNo. of LoansBalance (A$)% of Period Pool Balance
Reported delinquencies after November 2015 include accounts that are in the serviceability hold out period i.e. performing loans in hardship that continue to be reported as delinquent until the customer has maintained full repayments for 6 months.
ForeclosuresNo. of Loans Balance (A$) % of Period Pool Balance
Loss and Recovery Data (Cumulative)
Mortgage Insurance Proceeds (Claims under Mortgage Insurance)(A$) Mortgage Shortfall (Net Losses) (A$)Mortgage Shortfall (Net Losses) as % of Period Pool Balance
Profile by Loan ProductFirst Option Home LoanFixed Option Home Loan Fixed Option Home Loan - Low DocFlexi First Option Home LoanFlexi First Option Investment LoanIPL - First Option IPL - Fixed Rate IPL - Fixed Rate - Low DocIPL - Variable Rate IPL - Variable Rate - Low DocPremium Option Home Loan Premium Option Home Loan - Low DocRocket - Housing Loan Variable - MSSRocket - Variable - IPL - MSSRocket - Housing Loan Variable - Low DocRocket - Variable - IPL - Low DocOtherTotal
Profile by Loan Rate (% of Period Pool Balance)<= 2.50%2.51% - 3.00%3.01% - 3.50%3.51% - 4.00%4.01% - 4.50%4.51% - 5.00%5.01% - 5.50%5.51% - 6.00%> 6.00%Total
Profile by Geographic Distribution (% of Period Pool Balance)Australian Capital Territory - MetropolitanAustralian Capital Territory - NonmetropolitanNew South Wales - MetropolitanNew South Wales - NonmetropolitanNorthern Territory - MetropolitanNorthern Territory - NonmetropolitanQueensland - MetropolitanQueensland - NonmetropolitanSouth Australia - MetropolitanSouth Australia - NonmetropolitanTasmania - MetropolitanTasmania - NonmetropolitanVictoria - MetropolitanVictoria - NonmetropolitanWestern Australia - MetropolitanWestern Australia - NonmetropolitanOthersTotal
Number of Housing LoansHousing Loan Pool Size (A$)Average Housing Loan Balance (A$)Maximum Housing Loan Balance (A$)Total Valuation of the Properties
Weighted Average Current Loan-to-Value Ratio (Unidexed)Weighted Average Current Limit Loan-to-Value Ratio (Unidexed) **
Weighted Average Seasoning (months)Weighted Average Remaining Term To Maturity (months)Maximum Current Remaining Term to Maturity (Months)
Percentage of Interest Only Percentage of Principal and Interest Only
Percentage Owner Occupied (Product) *Percentage Owner Occupied (EFS) **Percentage Foreign Borrower *Percentage Australian Citizens Residing Offshore (Expats)**Weighted Average Interest Rate
* Publication commenced January 2019
Delinquencies31-60 days
No. of LoansBalance (A$)% of Period Pool Balance
61-90 daysNo. of LoansBalance (A$)% of Period Pool Balance
91-120 daysNo. of LoansBalance (A$)% of Period Pool Balance
121 + daysNo. of LoansBalance (A$)% of Period Pool Balance
Total DelinquenciesNo. of LoansBalance (A$)% of Period Pool Balance
Reported delinquencies after November 2015 include accounts that are in the serviceability hold out period i.e. performing loans in hardship that continue to be reported as delinquent until the customer has maintained full repayments for 6 months.
ForeclosuresNo. of Loans Balance (A$) % of Period Pool Balance
Loss and Recovery Data (Cumulative)
Mortgage Insurance Proceeds (Claims under Mortgage Insurance)(A$) Mortgage Shortfall (Net Losses) (A$)Mortgage Shortfall (Net Losses) as % of Period Pool Balance
Profile by Loan ProductFirst Option Home LoanFixed Option Home Loan Fixed Option Home Loan - Low DocFlexi First Option Home LoanFlexi First Option Investment LoanIPL - First Option IPL - Fixed Rate IPL - Fixed Rate - Low DocIPL - Variable Rate IPL - Variable Rate - Low DocPremium Option Home Loan Premium Option Home Loan - Low DocRocket - Housing Loan Variable - MSSRocket - Variable - IPL - MSSRocket - Housing Loan Variable - Low DocRocket - Variable - IPL - Low DocOtherTotal
Profile by Loan Rate (% of Period Pool Balance)<= 2.50%2.51% - 3.00%3.01% - 3.50%3.51% - 4.00%4.01% - 4.50%4.51% - 5.00%5.01% - 5.50%5.51% - 6.00%> 6.00%Total
Profile by Geographic Distribution (% of Period Pool Balance)Australian Capital Territory - MetropolitanAustralian Capital Territory - NonmetropolitanNew South Wales - MetropolitanNew South Wales - NonmetropolitanNorthern Territory - MetropolitanNorthern Territory - NonmetropolitanQueensland - MetropolitanQueensland - NonmetropolitanSouth Australia - MetropolitanSouth Australia - NonmetropolitanTasmania - MetropolitanTasmania - NonmetropolitanVictoria - MetropolitanVictoria - NonmetropolitanWestern Australia - MetropolitanWestern Australia - NonmetropolitanOthersTotal