Housing Market Overview Prepared for CitiBank. January 2014

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1 Prepared for CitiBank January 214

2 Combined capital cities Combined capital city home values increased by 2.8% over the final quarter of 213 according to the RP Data-Rismark Home Value Index. Home values are now 11.8% higher than they were when they hit a trough in May 212 and are 3.5% higher than their previous peak. Over the 213 calendar year, combined capital city home values have increased by 9.8% making last year the strongest calendar year for value growth since 29. Over the past quarter, house values have increased by 2.8% compared to a 2.7% increase in unit values. Over the 213 calendar year, house values increased by 9.9% compared to a 9.% increase in unit values. RP Data estimates that there have been 32,678 capital city homes sold over the 12 months to October 213, which indicates sales volumes are currently 11.1% higher than they were one year ago. The current level of sales across the combined capital city markets are 2.7% higher than the five year average. Rental rates for houses across the combined capital cities have increased by 2.8% over the year to $479/week and for units, rents are currently $451/week, which is 4.3% higher than 12 months ago. Over the final quarter of the year, rental growth for houses was benign at.4% while unit rents increased 2.%. The average gross rental yield for capital city houses is currently 3.9% and 4.7% for units, down from 4.2% and 4.9% respectively a year ago. 25.% 2.% 15.% 1.% 5.%.% -5.% 45, 4, 35, 3, 25, 2, 15, 1, 5, combined capital city home values -1.% Dec-97 Dec-99 Dec-1 Dec-3 Dec-5 Dec-7 Dec-9 Dec-11 Dec-13, RP Data-Rismark Home Value Index Rolling annual number of combined capital city house and unit sales 12, 1, 8, 6, 4, 2, Oct-98 Oct-1 Oct-4 Oct-7 Oct-1 Oct-13 Sydney According to the RP Data-Rismark Home Value Index, Sydney home values have increased by 4.1% over the December quarter, the largest increase across each of the capital city markets. Over the past year, Sydney dwelling values have risen by 14.5%, the greatest increase in values across all capital city markets and the largest calendar year increase in values for the city since 22. Sydney home values are currently 1.9% higher than their previous peak. Over the three months to December 213, detached house values increased by 4.1%, compared to a lower 3.9% for units. Throughout 213, house values rose by 15.2% and unit values increased by 11.6%. It is estimated that there were 94,733 Sydney properties sold over the 12 months to October 213, which indicates that current sales volumes are about 3.3% higher than the five year average for Sydney and 1.9% higher than over the 12 months to October 212. The annual number of Sydney home sales is now at its highest level since August 21. Rental rates across Sydney have increased by 4.3% for houses and 3.9% for units over the past 12 months. The current rental rate for a typical Sydney house is $582/week and $59/week for units. Gross rental yields have fallen from 4.3% a year ago for houses to 3.9% and from 5.% to 4.7% for units. 3.% 25.% 2.% 15.% 1.% 5.%.% -5.% -1.% Dec-97 Dec-99 Dec-1 Dec-3 Dec-5 Dec-7 Dec-9 Dec-11 Dec-13 16, 14, 12, 1, 8, 6, 4, 2, Sydney home values, RP Data-Rismark Home Value Index Rolling annual number of Sydney house and unit sales Oct-98 Oct-1 Oct-4 Oct-7 Oct-1 Oct-13 45, 4, 35, 3, 25, 2, 15, 1, 5, 2

3 Melbourne Melbourne home values rose by 1.3% over the final quarter of 213 according to the RP Data-Rismark Home Value Index. Melbourne recorded the third highest level of capital growth over the 213 calendar year amongst the capital cities. The 8.5% increase in home values in 213 was the strongest level of calendar year growth for Melbourne since 21. Melbourne s detached housing market has recorded a slightly lower level of capital growth compared to the unit market both over the quarter and year. House values increased by 1.1% over the quarter and by 8.5% over the year compared to a 2.5% increase in unit values over the quarter and an 8.7% annual increase. Over the 12 months to October 213, RP Data estimates that 8,443 Melbourne homes were sold. Transaction volumes to October 213 were 9.5% higher than the volume of sales recorded over the year to October 212, however, sales volumes were -3.6% lower than the five year average levels. Melbourne rental rates have risen at a moderate rate over the 12 months to December, with house rents up 2.5% and unit rents having risen by 2.1%. The current rental rate for a typical Melbourne house is $434/week and the gross rental yield has fallen slightly over the year from 3.6% to 3.4%. For units, the average weekly rental rate is recorded at $389/week and the gross rental yield has fallen from 4.4% to 4.2%. Melbourne has the lowest rental yields of all capital cities. 3.% 25.% 2.% 15.% 1.% 5.%.% -5.% 12, 1, 8, 6, 4, 2, Melbourne home values -1.% Dec-97 Dec-99 Dec-1 Dec-3 Dec-5 Dec-7 Dec-9 Dec-11 Dec-13, RP Data-Rismark Home Value Index Rolling annual number of Melbourne house and unit sales Oct-98 Oct-1 Oct-4 Oct-7 Oct-1 Oct-13 3, 25, 2, 15, 1, 5, Brisbane Based on the RP Data-Rismark Home Value Index, Brisbane home values rose by 2.% over the December quarter, with home values rising by 5.1% over 213. The 5.1% annual increase was the largest calendar year rise in Brisbane home values since 29. Over the quarter, house values rose by 3.5% and unit values increased by 2.4%. On an annual basis, house values have increased at a faster pace than unit values, rising by 5.3% and 3.5% respectively. Despite the fact that home values are now rising across the city, they remain -6.6% lower than their previous peak. RP Data estimates that over the 12 months to October213 there were 44,356 Brisbane homes sold, indicating that current sales volumes are 14.3% higher than one year earlier. Sales volumes are also now 5.3% higher than their five year average. Across Brisbane, rental rates for both houses and units have increased over the past year, however house rents are up by a larger amount (1.9%), compared to only a slight increase across the unit market (.9%). The current rental rate for a Brisbane houses is recorded at $426/week and $48/week for units, which makes Brisbane the city with the smallest difference between house and unit rental rates. Gross rental yields have fallen from 4.7% a year ago to 4.6% for houses, while for units, yields have fallen from 5.6% to 5.5%. 4.% 35.% 3.% 25.% 2.% 15.% 1.% 5.%.% -5.% -1.% Dec-97 Dec-99 Dec-1 Dec-3 Dec-5 Dec-7 Dec-9 Dec-11 Dec-13 8, 7, 6, 5, 4, 3, 2, 1, Brisbane home values, RP Data-Rismark Home Value Index Rolling annual number of Brisbane house and unit sales Oct-98 Oct-1 Oct-4 Oct-7 Oct-1 Oct-13 25, 2, 15, 1, 5, 3

4 Adelaide Adelaide dwelling values increased by 1.8% over the final quarter of 213 according to the RP Data-Rismark Home Value Index. Detached house values increased by 3.% over the quarter compared to a.6% increase in unit values. Over the 213 calendar year, Adelaide home values increased by 2.8%, the second weakest level of capital growth of all Australian capital cities. Adelaide home values at the end of 213 were -2.4% lower than they were at their previous peak. Once again, house values recorded stronger growth than unit values, rising 3.% over the year compared to a.6% increase in unit values. Over the year to October 213, it is estimated that 25,61 Adelaide homes transacted. In comparison, one year ago, sales volumes were lower, with current sales activity estimated to be 8.4% higher. Although volumes have trended higher over the past year, current sales activity is -1.2% lower than the five year average sales volumes across Adelaide. Across Adelaide, the median rental rate for houses is recorded at $366/week and $311/week for units. The rental rate for Adelaide houses has increased by 2.2% over the past twelve months and for units rental rates have increased by 1.3%. Gross rental yields have remained unchanged over the year for houses at 4.3% while for units they have edged up to 4.9% from 4.8% a year ago. 3.% 25.% 2.% 15.% 1.% 5.%.% -5.% 4, 35, 3, 25, 2, 15, 1, 5, Adelaide home values -1.% Dec-97 Dec-99 Dec-1 Dec-3 Dec-5 Dec-7 Dec-9 Dec-11 Dec-13, RP Data-Rismark Home Value Index Rolling annual number of Adelaide house and unit sales Oct-98 Oct-1 Oct-4 Oct-7 Oct-1 Oct-13 1, 9, 8, 7, 6, 5, 4, 3, 2, 1, Perth Based on the RP Data-Rismark Home Value Index, dwelling values in Perth recorded a 3.9% increase over the final quarter of 213. Home values across the city rose by 9.9% in 213, the second strongest growth rate across the capital cities over the year. The 9.9% annual increase in values was the largest calendar year increase in values since 26. The performance across Perth s house and unit market has been quite different recently, with values for houses up 4.2% over the quarter and unit values having risen by a much lower.1% over the quarter. Over 213, house values rose 1.2% compared to a 6.3% increase in unit values. Since late 211, the rolling annual sales volumes across the Perth market have been increasing. RP Data estimates that over the year to October 213 there were 43,457 homes sold across Perth. Compared to the five year average number of sales across the region, current transaction levels are 2.8% higher, and compared to the same period in 212, volumes are 16.% higher. The median rent across Perth is recorded at $55/week for houses and $449/week for units, rising by 1.4% and 3.1% respectively throughout 213. With strong value growth over the year, gross rental yields have fallen to 4.2% for houses and 4.8% for units. At the same time in 213 yields were recorded at 4.5% for houses and 5.% for units. 5.% 4.% 3.% 2.% 1.%.% -1.% Dec-97 Dec-99 Dec-1 Dec-3 Dec-5 Dec-7 Dec-9 Dec-11 Dec-13 6, 5, 4, 3, 2, 1, Perth home values, RP Data-Rismark Home Value Index Rolling annual number of Perth house and unit sales Oct-98 Oct-1 Oct-4 Oct-7 Oct-1 Oct-13 18, 16, 14, 12, 1, 8, 6, 4, 2, 4

5 Hobart Dwelling values across Hobart rose by 1.4% over the final quarter of 213 based on the RP Data-Rismark Home Value Index. Hobart home values increased by 2.2% in 213 making it the weakest performing city for capital growth throughout the year. Home values in Hobart are currently -12.% lower than they were at their peak. For houses, values increased by 2.5% over the quarter and were 2.9% higher over 213. Unit values fell by -9.3% over the final quarter of 213 and were -5.1% lower over the year. The number of number of house and unit sales recorded across Hobart has shown some improvement over the past year. It is estimated that over the 12 months to October 213 there were 4,149 Hobart homes sold, which is 13.2% higher than over the 12 months period a year earlier. Despite the recent increase in sales volumes, sales across Hobart over the year were -3.6% lower than the five year average. Over the past year, rental rates across Hobart have remained relatively unchanged, with rental rates up.8% for houses and 6% for units. The median rental rate for Hobart houses is currently recorded at $332/week and the gross rental yield has fallen from 5.4% one year ago to 5.3% currently. For units, rental rates are recorded at $279/week and the gross rental yield has improved from 5.2% to 5.6% over the year. 7.% 6.% 5.% 4.% 3.% 2.% 1.%.% 8, 7, 6, 5, 4, 3, 2, 1, Hobart home values -1.% Dec-99 Dec-1 Dec-3 Dec-5 Dec-7 Dec-9 Dec-11 Dec-13, RP Data-Rismark Home Value Index Rolling annual number of Hobart house and unit sales Oct-98 Oct-1 Oct-4 Oct-7 Oct-1 Oct-13 2,5 2, 1,5 1, 5 Darwin Over the three months ending December 213, Darwin home values recorded a 3.6% increase based on the RP Data- Rismark Home Value Index. On an annual basis home values across the city have increased by 3.3% and as a result Darwin was the third weakest capital city for value growth in 213. For houses, values increased by 3.8% over the three months to December, compared to a 2.9% increase in values for units. Throughout 213, house values rose by 5.1% compared to a -3.9% fall in unit values. 4.% 3.% 2.% 1.%.% Darwin home values RP Data estimates that there were 3,369 homes sold across Darwin over the 12 months to October 213. The number of Darwin sales is currently 11.7% higher when compared to the five year average and is 12.4% higher than sales volumes over the year to October 212. Since late 21, the rolling annual number of Darwin home sales has trended higher. Median rental rates have increased by 3.8% for houses and 1.6% for units across Darwin over the 12 months to December 213. This marks a significant slowing of rental growth over the year. Darwin house rents are currently the most expensive across the capital cities, at $625/week, while a typical Darwin unit is rented for $499/week. Currently, the rental yield for Darwin houses is recorded at 6.%, compared to 6.1% one year ago and for units, gross rental yields have increased from 5.9% to 6.2%. Darwin rental properties offer the greatest return on investment across the capital city markets. -1.% -2.% Dec-3 Dec-5 Dec-7 Dec-9 Dec-11 Dec-13 5, 4,5 4, 3,5 3, 2,5 2, 1,5 1, 5, RP Data-Rismark Home Value Index Rolling annual number of Darwin house and unit sales Oct-1 Oct-4 Oct-7 Oct-1 Oct-13 1,4 1,2 1,

6 Canberra According to the RP Data-Rismark Home Value Index, over the final quarter of 213 home values across Canberra have fallen by -1.3%. Both the detached house and unit markets have recorded quarterly falls with house values down -1.3% and unit values -.2% lower. Throughout 213, Canberra home values have increased by 3.5% making it the capital city with the fourth strongest level of calendar year value growth. Over 213, house values increased by 3.7% compared to a 1.5% increase in unit values. RP Data estimates that over the year to October 213 there were 7,121 house and unit sales in Canberra. Sales activity over the most recent year was -3.9% lower than over the year prior and -18.5% lower than the five year average. Canberra is the only capital city market where sales volumes are trending lower. The rental performance across the Canberra market has been weak over the past year. Rental rates for houses are recorded at $516/week after falling by -4.5% over the year. Unit rents have fallen by -4.9% over the year to reach $421/week. Gross rental yields for both houses and units have decreased over the year. The current yield for a Canberra house is recorded at 4.4%, compared to 4.8% last year, while for units, the current yield is 5.2% compared to 5.6% 12 months prior. 35.% 3.% 25.% 2.% 15.% 1.% 5.%.% -5.% -1.% Dec-97 Dec-99 Dec-1 Dec-3 Dec-5 Dec-7 Dec-9 Dec-11 Dec-13 16, 14, 12, 1, 8, 6, 4, 2, Canberra home values, RP Data-Rismark Home Value Index Rolling annual number of Canberra house and unit sales Oct-98 Oct-1 Oct-4 Oct-7 Oct-1 Oct-13 7, 6, 5, 4, 3, 2, 1, 6

7 RP Data Disclaimer 213 Copyright RP Data Pty Ltd, Local, State, and Commonwealth Governments. All rights reserved. No reproduction, distribution or transmission of the copyrighted materials in this publication is permitted whether in whole or in part. The copyrighted materials in this publication are provided for personal or internal business purposes only unless otherwise agreed in writing. The information provided in this publication is current as at the publication date only. This publication is supplied on the basis that while RP Data attempts to ensure the information in it is reliable at the publication date, it does not warrant its accuracy or completeness and to the full extent allowed by law excludes liability in contract, tort or otherwise, for any loss or damage sustained by yourself, or by any other person or body corporate arising from or in connection with the supply or use of the whole or any part of the information in this publication through any cause whatsoever and limits any liability it may have to the amount paid to RP Data for the supply of such information. This publication provides general information only it is not intended as advice or a professional property appraisal and should not be relied upon as such. The information provided has not been prepared by taking into account your investment objectives, financial situation or personal needs and may depend on statistical models and assumptions which may be incomplete or wrong, negatively impacting the accuracy of this publication. You should make your own inquiries and if necessary take independent financial advice tailored to your specific circumstances before making any investment decisions. If you see any inaccuracies in this publication please us at 7

8 Government Disclaimers New South Wales Data Contains property sales information provided under licence from the Land and Property Information ( LPI ). RP Data is authorised as a Property Sales Information provider by the LPI. Victorian Data To the extent that this report has been developed using information owned by the State of Victoria, the State of Victoria owns the copyright in the Property Sales Data which constitutes the basis of this report and reproduction of that data in any way without the consent of the State of Victoria will constitute a breach of the Copyright Act 1968 (Cth). The State of Victoria does not warrant the accuracy or completeness of the information contained in this report and any person using or relying upon such information does so on the basis that the State of Victoria accepts no responsibility or liability whatsoever for any errors, faults, defects or omissions in the information supplied. Queensland Data Based on or contains data provided by the State of Queensland (Department of Environment and Resource Management) 212. In consideration of the State permitting use of this data you acknowledge and agree that the State gives no warranty in relation to the data (including accuracy, reliability, completeness, currency or suitability) and accepts no liability (including without limitation, liability in negligence) for any loss, damage or costs (including consequential damage) relating to any use of the data. Data must not be used for direct marketing or be used in breach of the privacy laws. South Australian Data This information is based on data supplied by the South Australian Government and is published by permission. The South Australian Government does not accept any responsibility for the accuracy or completeness of the published information or suitability for any purpose of the published information or the underlying data. Australian Capital Territory Data The Territory Data is the property of the Australian Capital Territory. No part of it may in any form or by any means (electronic, mechanical, microcopying, photocopying, recording or otherwise) be reproduced, stored in a retrieval system or transmitted without prior written permission. Enquiries should be directed to: Director, Customer Services ACT Planning and Land Authority GPO Box 198 Canberra ACT 261. Tasmanian Data This product incorporates data that is copyright owned by the Crown in Right of Tasmania. The data has been used in the product with the permission of the Crown in Right of Tasmania. The Crown in Right of Tasmania and its employees and agents: (a) give no warranty regarding the data's accuracy, completeness, currency or suitability for any particular purpose; and (b) do not accept liability howsoever arising, including but not limited to negligence for any loss resulting from the use of or reliance upon the data. Base data from the LIST State of Tasmania Western Australian Data Based on information provided by and with the permission of the Western Australian Land Information Authority (212) trading as Landgate. 8

9 About RP Data RP Data is 1% owned by CoreLogic which is a leading provider of consumer, financial and property information, analytics and services to business and government. The company combines public, contributory and proprietary data to develop predictive decision analytics and provide business services that bring dynamic insight and transparency to the markets it serves. Today, CoreLogic has more than 6, employees globally with 212 revenues of $1.6 billion and is listed on the NYSE. At RP Data, we continually collect, manage and process property-based data and imagery from over 3 sources across Australia including government agencies, media partners and industry professionals. RP Data is the biggest provider of property information, analytics and risk management services in Australia and New Zealand with a database of 21 million property records. RP Data serves customers ranging from real estate agents and consumers to banks, mortgage brokers, financial planners and governments. We understand that data is most useful when it s presented as relevant and actionable analytics. Our data provides customers with insights that realise more market opportunities, while simultaneously growing businesses and managing risk. Our results speak for themselves; we re helping over 1, end users including approximately 45, real estate agents win more business by providing Australia s most trusted pre-listings comparative market appraisal (CMA) report, as well as industry standard tools that promote transparency and confidence when buying and selling property. In addition, 1 million consumers use RP Data to make important decisions about property they are about to hold, sell or purchase. Our Mortgage Platforms cover more than 9% of the mortgage lending activity in Australia. We estimate the value of every residential property in Australia each week via our automated valuation models which support our industry leading RP Data Rismark Daily Home Value Index. On average, we issue over 3 million automated valuation assessments every month. We re Australia s leading source for mobile property information too with over 5, mobile devices accessing our services each month. Using public and proprietary data, we bring insight and transparency to the Australian property market. We employ 33 people at ten locations in Australia and New Zealand and our revenue for 212 was over $7 million. 9

10 The residential property market offers a wealth of opportunities both for investors and home owners. As a Citigold customer you are invited to take advantage of our exclusive benefits that can make the process of buying and owning your property even more rewarding. A Relationship Manager focused on your goals Your Citigold Relationship Manager, with the help of our team of specialists, can work with you to help you achieve your financial goals. Access the expertise of our Mortgage Specialists Whether you are looking to buy or refinance a property our Mortgage Specialists will work closely with you to understand and analyse your needs, to determine the right loan and structure for you. Exclusive Citigold home loan benefits No application fee on all Citibank home loans Exclusive preferential discounts on variable rates from our comprehensive range of Citibank home loans First year annual package fee waiver on our Mortgage Plus package. Detailed market reports Whether you need to re-finance a property or are looking to invest in the property market, we re ready to help. Simply contact your Relationship Manager or your nearest Mortgage Specialist we will be able to answer any home loan, property investment or equity release questions you may have. Plus we can provide you with a complimentary RP Data report customised to your suburb and property search criteria. It will help you understand the equity in your home, find a new property or negotiate a better price. Your branch based mortgage specialists NSW Park St NSW Park St NSW Pitt St NSW Pitt St Paul Geelan 2 Park St, Sydney Pavani Palaniappan 2 Park St, Sydney Scott Paterson 68 Pitt St, Sydney Alper Yavuz 68 Pitt St NSW Castle Hill NSW Chinatown NSW - Chatswood QLD - Brisbane Ishani Roy Castle Towers Castle Hill Anny Chen Chinatown 695 George Street Isabella Zhou 451 Victoria Ave, Chatswood Cyndy Chan 141 Queen St Brisbane WA Perth, Joondalup & Booragoon David Sonntag 37 St Georges Terrace VIC Camberwell VIC Melbourne ViC Melbourne Kate Davison 61 Bourke Rd Damien Paris 35 Collins St Stephanie Zhang 235 Little Bourke St

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