Westpac Home Ownership Report AUGUST 2013
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1 Westpac Home Ownership Report AUGUST 2013
2 Introduction 3 Sample Profile 5 KEY FINDINGS 8 Home Ownership No. 1 Priority 9 Lack of Understanding 12 ers and Overpayments 1 Australian Home Ownership Snapshot 19 Sweeney Research is accredited under the International Standard, ISO All aspects of this study have been completed in accordance with the requirements of that scheme. 2 of 25
3 Introduction
4 Methodology Methodology Sample Sample Source 5,149 interviews to size home loan market 1,594 online interviews with people in the home loan market across Australia 1,05 home loan holders who are owner occupiers 53 with the intention to buy in the next 12 months Research Now Online Panel Data Collection Conducted between 15th and 23rd July 2013 Average survey length of 13 minutes Quotas Quotas set for age, gender and state Weighting Sample weighted according to census data provided by the Australian Bureau of Statistics Variables used for weighting as follows Age Gender State Living Situation 4 of 25
5 Sample Profile
6 Sample Profile Age (%) years years years years years 65 years or older Gender (%) 48% 48% 48% Family Status (%) 52% 52% 52% Adult living with my parents Share a home with other adults (not partner) Single, living alone Single parent with children at home Living with partner children at home Living with partner no children at home xx xx2 xx3 Holders & Intending to Buy Holders Intending to Buy Base: All home loan holders: n=1,05, All those intending to buy: n=53 S2. S3. S5. S6. All values in percentages (%); weighted data 6 of 25
7 Sample Profile (cont.) Location (%) Location Breakdown By State(%) Home Loan Holders & Intending to Buy Home Loan Holders Intendin g to Buy NSW QLD VIC SA 8 WA TAS NT ACT xx Holders & xx2 xx3 Intending to Buy Holders Intending to Buy Base: All home loan holders: n=1,05, All those intending to buy: n=53 S4. D1. All values in percentages (%); weighted data of 25
8 KEY FINDINGS
9 Home Ownership No. 1 Priority
10 The Great Australian Dream is alive and well Owning a home (32%) or paying off a home sooner (25%) is a top priority for 5% of Australians with a home loan or planning to buy within the next twelve months. This compared to only 8% of respondents ranking having children as their top priority, ahead of 5% who said getting married. Top Priorities in Lifetime (%) Own my own home Pay off my home loan sooner Travel the world Have children* Put more savings into a savings account Put more into my retirement savings/superannuation fund Own an investment property/pay off my investment property mortgage Get married* Start a business Own a car/pay off my car loan None of these Total Holders & Intending to Buy Holders Holders Intending to Buy Intending to Buy Base: All Holders: n=1,05; All those with the intention to buy: n=53 Q1. Q2. All values in percentages (%); weighted data; *items based on those without children and those not married, respectively 10 of 25
11 Perceived meaning of home ownership is ownership outright The majority (%) of people surveyed believe that the true meaning of 'Home Ownership' is achieved only when their home loan has been paid off in full, as opposed to when they first purchase a property and arrange for a loan Agreement with I won t own my house until I have fully paid off my mortgage (%) Strongly agree/ Agree (%) Holders & Intending to Buy Holders Intending to Buy Strongly agree Agree Neither agree nor disagree Disagree Strongly disagree Base: All Holders: n=1,05; All those with the intention to buy: n=53 Q3. All values in percentages (%); weighted data 11 of 25
12 Lack of Understanding
13 Offset Accounts the most popular home loan feature Offset accounts are the most popular home loan feature amongst home loan holders at 3%. Current and Preferred Features of a when Taking One Out (%) Offset account Home equity loan/line of credit mortgage Transactional account or all-in-one loan HL Home + intending Loan to buyholders & Intending to Buy Honeymoon rate Reverse mortgage or equity release Holder Holders Shared equity Not sure Intending to buy Intending to Buy None of these Base All Holders: n=1,05; All those with the intention to buy: n=53 Q9. Q10. All values in percentages (%); weighted data 13 of 25
14 Lack of understanding of what an offset account is More than one third (36%) of home loan holders and intending buyers don t understand what an offset account is. Understanding of an Offset Account (%) Holders Correct 64 Incorrect 36 Correct description: An everyday banking account linked to your home loan where every dollar reduces, by the same amount, the home loan balance on which interest is charged Base: All Holders: n=1,05; All those with the intention to buy: n=53 Q34. (Respondents presented with several descriptions of an offset account and asked to select correct description) All values in percentages (%); weighted data 14 of 25
15 Choice of loan structure A degree of uncertainty exists for those intending to buy about the right type of home loan for them, with 1 in 5 (20%) not knowing what type of loan structure they should take up. Preferred Type of (%) 20 2 Intending to Buy Base: All Holders: n=1,05; All those with the intention to buy: n=53 Q4 (respondents presented with various descriptions of a variable rate home loan and asked to select correct Westpac Home Ownership Research response). Q. Q8. All values in percentages (%); weighted data 15 of 25
16 Understanding of what a Variable Rates Is For Australians who do already have a home loan, more than 1 in 5 (22%) didn t understand what a variable rate was. 6 8 Holders 9 The interest rate moves up and down for the duration of the loan An everyday banking account linked to your mortgage A savings account is linked to your mortgage None of these Base: All Holders: n=1,05; All those with the intention to buy: n=53 Q4. All values in percentages (%); weighted data 16 of 25
17 ers and Overpayments
18 There is never a bad time to overpay on your home loan Three quarters of home owners (6%) believe now is a good time to make overpayments on their home loan. Agreement with Now is a Good Time to make above Minimum Payments on My (%) Strongly agree Neither agree nor disagree Strongly disagree Agree Disagree Holders Base: All Holders: n=1,05 Q3. Q26. Q2. All values in percentages (%); weighted data 18 of 25
19 Australian Home Ownership Snapshot
20 Australian home ownership is relatively high 30% of Australians own their home outright and 34% of Australians have a home loan. 11% of Australians are currently looking to buy and around 1 in 10 (11%) of Australians plan to take out a home loan to buy a house to live in within the next 12 months. Home Ownership Status (%) Holders Renters/living with parents (no intention) Renters/living with parents (with intention to buy) Home owners (Own home outright) Home Ownership (ABS 2011, %) Total Home Ownership Outright With Home Loan Base: All respondents (screener): n=5,149 S. S8. All values in percentages (%); weighted data *Viral V. Acharya, Matthew Richardson, Stijn Van Nieuwerburgh, and Lawrence J. White, Guaranteed to Fail: Fannie Mae, Freddie Mac, and the Debacle of Mortgage Finance (Princeton: Princeton University Press, 2011). 20 of 25
21 Average Holders & Intending to Buy Holders Intending to Buy Up to $10, Up to $10, Up to $10, $10,001 - $50,000 5 $10,001 - $50,000 5 $10,001 - $50,000 3 $50,001 - $100,000 6 $50,001 - $100,000 $50,001 - $100,000 2 $100,001 - $150,000 $100,001 - $150,000 9 $100,001 - $150,000 2 $150,001 - $200, $150,001 - $200, $150,001 - $200,000 8 $200,001 - $300, $200,001 - $300, $200,001 - $300, $300,001 - $500, $300,001 - $500, $300,001 - $500,000 3 More than $500,000 Average: $250,000 More than $500,000 Average: $230,000 More than $500,000 9 Average: $320,000 Base: All Holders (excl. Not sure ): n=863; All those with the intention to buy (excl. Not sure ): n=382 Q15.Q16. All values in percentages (%); weighted data 21 of 25
22 Average Length of Term Holders & Intending to Buy Holders Intending to Buy 10 years or less 6 10 years or less 4 10 years or less years years years years years years years years years years years years 26 More than 30 years 3 Average: 23 years More than 30 years 4 Average: 24 years More than 30 years 3 Average: 20 years Not sure Not sure Not sure Base: All Holders: n=1,05; All those with the intention to buy: n=53 Q1.Q18. All values in percentages (%); weighted data 22 of 25
23 Time and Amount Left on Time Left on (%) Less than 5 years years years years years 14 Average: 16 years 25 years or more 19 Not sure 11 Base: All Holders: n=1,05 Q19.Q20. All values in percentages (%); weighted data 23 of 25
24 Confidence in paying off home loan is high at the start of the term Confidence amongst Australians in paying off their home loan to full term at the start of the loan is high at 82%. Confidence in Paying Off by Rest of Term (% 8-10)** 100% 50% Significantly higher Significantly lower 0% 25 years or more years years years 5-10 years Remaining home loan term Less than 5 years End of term Before end of term 5 years early 10 years early Base: *All Holders with at least 15 years left to pay off home loan: n=55; **All Holders: n=1,05 Q21. All values in percentages (%); weighted data 24 of 25
25 Generational Home Ownership Outright home ownership is highest amongst Baby Boomers (those aged 55+). Home loans are mostly held by Gen X (those aged 35-54) and Gen Y (those aged 18-34) are most likely to be those intending to buy. 100% Status by Age (%) % % years years years years years 65+ years Holders Renters/living with parents (with intention to buy) *NT not shown due to low base size Base: All respondents (screener): n=5,149 S. S8. All values in percentages (%); weighted data Renters/living with parents (no intention) Home owners (without a home loan) 25 of 25
26 Singapore Spain Iceland Belgium Norway Portugal Luxembourg Ireland Chile Italy Israel Australia England Canada Sweden New Zealand United States Japan Finalnd Czech Republic France Netherlands Austria Denmark Germany Switzerland Australia s ranking in Home Ownership Australia is ranked the 12 th highest country in the world in terms of home ownership. 100% International Home-ownership Rates (%)* 50% % *Viral V. Acharya, Matthew Richardson, Stijn Van Nieuwerburgh, and Lawrence J. White, Guaranteed to Fail: Fannie Mae, Freddie Mac, and the Debacle of Mortgage Finance (Princeton: Princeton University Press, 2011). 26 of 25
27 MELBOURNE L1, 90 York Street South Melbourne VIC 3205 T F SYDNEY L1, Market Street Sydney NSW 2000 T F All Sweeney Research studies are conducted in accordance with the International Standard ISO 20252
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