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{{propApi.successMessage}} {{region}} Change locationHow to establish financial settings that encourage home ownership
How to establish financial settings that encourage home ownership
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Every home build in Australia is built with the support of a stable and reliable financial sector. It is a cornerstone of a well-functioning economy and necessary for the building industry.
The problem is that ongoing regulations have forced banks to eliminate much of the flexibility and competition in the mortgage market that made home ownership accessible for households of variable credit quality, such as first home buyers.
Banks should be making the decision on who is able to service a mortgage, not the Australian Government. Banks are well placed to make this assessment and are protected from delinquency through mortgage insurance.
Allowing more first home buyers to access a loan, doesn’t create demand for homes or increase house prices it actually allows more households to move from renting to home ownership.
How can government support financial settings that encourage home ownership?
Remove the restrictions on lending that has reduced competition among banks and often limits lending only to those that already own a home.
APRA to support a target band of residential mortgage arrears rate of 2% - 3%.Read more
Focus on a regulatory system that encourages the financial system to support the needs of the Australian people, particularly first home buyers.
Read more
Offer flexible financial arrangements that serve the needs of both home buyers and home builders.
Emphasise the part our financial institutions play to support borrowers, business and improve the housing crisis.