PET - Plain English Taxonomy

ARF_223_0: Residential Mortgage Lending
Effective date: 1 January 2022

Australian Business Number	Institution Name

Reporting Period	Scale Factor
Quarterly	Millions to one decimal place for reporting category B ADIs
	Thousands with no decimal place for reporting category A ADIs
	Percentages to two decimal places
Reporting Consolidation
Level 1 or Level 2

Section A: Outstanding loans secured by residential property

	Secured in Australia	Secured overseas
	(1)	(2)
1. Credit limits (including redrawable amounts)	BSAO27807	BSAO27808
1.1. Term loans - owner-occupied	BSAO27809
1.2. Term loans - investment	BSAO27810
1.3. Term loans - non-housing purposes	BSAO27811
1.4. Revolving credit	BSAO27812
2. Balances in offset accounts	BSAO27813

	Secured in Australia	Secured in Australia: non-performing
	(1)	(2)
3. Credit outstanding	BSAO27814	BSAO27815
3.1. Term loans - owner-occupied	BSAO27816	BSAO27817
3.1.1. of which : interest-only	BSAO27818	BSAO27819
3.1.2. of which : third-party originated	BSAO27820	BSAO27821
3.2. Term loans - investment	BSAO27822	BSAO27823
3.2.1. of which : interest-only	BSAO27824	BSAO27825
3.2.2. of which : third-party originated	BSAO27826	BSAO27827
3.3. Term loans - non-housing purposes	BSAO27828	BSAO27829
3.3.1. of which : interest-only	BSAO27830
3.3.2. of which : third-party originated	BSAO27831
3.4. Revolving credit	BSAO27832	BSAO27833
3.4.1. of which : third-party originated	BSAO27834	BSAO27835
3.4.2. of which: reverse mortgages	BSAO27836	BSAO27837
3.5. Credit outstanding
3.5.1. of which: low-documentation	BSAO27838	BSAO27839
3.5.2. of which: loans to non-residents	BSAO27840	BSAO27841
3.5.3. of which: loans to SMSFs	BSAO27842	BSAO27843
3.5.4. of which: with lenders mortgage insurance	BSAO27844	BSAO27845
3.5.5. of which: loans for units or apartments	BSAO27846	BSAO27847
4. Term loans - credit outstanding by vintage
4.1. Loans funded <= 3 years ago	BSAO27850	BSAO27851
4.2. Loans funded > 3 years and <= 5 years ago	BSAO27852	BSAO27853
4.3. Loans funded > 5 years ago	BSAO27854	BSAO27855
5. New non-performing loans in the quarter		BSAO27856
6. Mortgagee in possession		BSAO27857
7. Loans 30-89 days past-due	BSAO27858	BSAO27859
8. Loans currently subject to temporary modifications due to financial difficulty	BSAO27860	BSAO27861

	LVR<60	60<=LVR<80	80<=LVR<85	85<=LVR<90	90<=LVR<95	LVR>=95	Missing LVR
	(1)	(2)	(3)	(4)	(5)	(6)	(7)
9. Term loans outstanding by LVR - Australia	BSAO27862	BSAO27863	BSAO27864	BSAO27865	BSAO27866	BSAO27867	BSAO27868
9.1. of which: owner-occupied	BSAO27869	BSAO27870	BSAO27871	BSAO27872	BSAO27873	BSAO27874	BSAO27875
9.2. of which : investment	BSAO27876	BSAO27877	BSAO27878	BSAO27879	BSAO27880	BSAO27881	BSAO27882
9.3. of which : third-party originated	BSAO27883	BSAO27884	BSAO27885	BSAO27886	BSAO27887	BSAO27888	BSAO27889
9.4. of which : non-performing	BSAO27890	BSAO27891	BSAO27892	BSAO27893	BSAO27894	BSAO27895	BSAO27896

Section B: New loans funded during the quarter, secured by residential property

	Secured in Australia	Secured overseas
	(1)	(2)
10. New loans funded - total committed amount	BSAO27897	BSAO27898

	Owner-occupied	Investment	Non-housing purposes	Total
	(1)	(2)	(3)	(4)
10.1. Term loans - Australia	BSAO27899	BSAO27900	BSAO27901	BSAO27902
10.1.1. of which: interest-only	BSAO27903	BSAO27904	BSAO27905	BSAO27906
10.1.2. of which: third-party originated	BSAO27907	BSAO27908	BSAO27909	BSAO27910
10.1.3. of which : loan-to-income >= 4x <6x	BSAO27911	BSAO27912
10.1.4. of which : loan-to-income >= 6x	BSAO27913	BSAO27914
10.1.5. of which : debt-to-income >= 4x <6x	BSAO27915	BSAO27916
10.1.6. of which : debt-to-income >= 6x	BSAO27917	BSAO27918
10.2. Revolving credit - Australia				BSAO27919
10.3. New loans funded - total committed amount - Australia
10.3.1. Externally refinanced				BSAO27921
10.3.2. Loans to SMSFs				BSAO27922
10.3.3. Loans to non-residents				BSAO27923
10.3.4. With lenders mortgage insurance				BSAO27924
10.3.5. Impaired customer credit history				BSAO27925
10.3.6. Exceptions to serviceability policy				BSAO27926
10.3.7. Serviceability verification waivers				BSAO27927
10.3.8. Loans for units or apartments				BSAO27928

	LVR<60	60<=LVR<80	80<=LVR<81	81<=LVR<85	85<=LVR<90	90<=LVR<95	LVR>=95
	(1)	(2)	(3)	(4)	(5)	(6)	(7)
11. New term loans funded by LVR - Australia	BSAO27929	BSAO27930	BSAO27931	BSAO27932	BSAO27933	BSAO27934	BSAO27935
11.1. of which : owner-occupied	BSAO27936	BSAO27937	BSAO27938	BSAO27939	BSAO27940	BSAO27941	BSAO27942
11.2. of which : investment	BSAO27943	BSAO27944	BSAO27945	BSAO27946	BSAO27947	BSAO27948	BSAO27949
11.3. of which : interest-only	BSAO27950	BSAO27951	BSAO27952	BSAO27953	BSAO27954	BSAO27955	BSAO27956
11.4. of which : third-party originated	BSAO27957	BSAO27958	BSAO27959	BSAO27960	BSAO27961	BSAO27962	BSAO27963

	Weighted average
	(1)
12. Interest rates - new loans funded during the quarter - Australia
12.1. Average variable rate	BSAO27964
12.2. Average loan serviceability assessment rate	BSAO27965

	Amount
	(1)
13. Increase in credit limits for existing term loans during the quarter	BSAO27966
13.1. of which: interest-only loans	BSAO27967

Section C: Loans to private unincorporated businesses secured by residential mortgages

	Amount
	(1)
14. Loans to private unincorporated businesses - Australia
14.1. Credit outstanding	BSAO27968
14.2. New loans funded during the quarter - total committed amount	BSAO27969