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“Australia has an unquestionably strong financial sector. It has withstood significant shocks, such as the Global Financial Crisis and the COVID recession, without the emergence of financial contagion.
“The share of loans that are impaired is exceptionally low, at around 0.4 per cent of all loans issued. This is significantly lower than in other developed economies.
“The very low levels of mortgage delinquency in Australia reflect the restrictive lending regulations imposed by financial regulators in Australia. Since 2010, financial regulations have made it increasingly conservative making it progressively more difficult for first home buyers to enter the market.
“Despite the lows levels of mortgage delinquency, APRA announced this morning that it has increased the ‘serviceability buffer’ for a new mortgage from 2.5 per cent to 3 per cent.
“First home buyers accounted for 35 per cent of owner occupier loans issued in August 2021 and these measures will make it harder to access a loan.
“This additional constraint is being imposed despite the share of loans with a 10 per cent deposit or less declining since December 2020. This share is well below those observed over the past decade.
“First home buyers are the group who are typically constrained by serviceability thresholds. It is this group that will be hit the hardest by these changes.
“Restricting access to credit for new households seeking to enter the housing market will put further downward pressure on the rate of home ownership in Australia,” concluded Mr Reardon.
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Missing Middle planning reforms progress but tax settings still threaten delivery
The Housing Industry Association (HIA) has welcomed the ACT Government’s decision to progress the Missing Middle Housing reforms. This is a critical step toward increasing housing supply and improving housing choice across Canberra.
Update The Federal budget and Housing Supply
The Federal Budget 2026 introduces the most significant structural changes to housing taxation in decades. As the implications of the Budget became a little clearer this week, HIA’s Chief Economist, Tim Reardon and I have put together this summary
Review of Australia's Mutual Recognition Schemes for Workers
HIA responded to the Consultation Paper on the Review of Australia’s Mutual Recognition Schemes for Workers which details the Council’s interim findings on barriers to a single national market for workers supported by the mutual recognition framework and triggers the second round of consultation associated with the review.
Matter: MS2026/1 – one month review of the Road Transport Contractual Chain Supply Order
HIA provided this further submission to inform the Expert Panel’s first review of the Road Transport Contracting Chain Order made on 28 April 2026.