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APRA taps the brakes
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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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Why restricting Negative Gearing to new homes doesn't increase the supply of homes
“Investors are responsible for building 43 per cent of new homes in Australia over the past year, according to ABS data released today,” stated HIA Chief Economist, Tim Reardon.
WA home building laws review raise concerns for many builders
The State Government today released a discussion paper setting out its long-anticipated recommendations arising from the review of WA’s home building laws.
Home Building Laws review at odds with WA's housing and affordability agenda
The Housing Industry Association (HIA) has raised concerns regarding several reform recommendations outlined in today’s Home Building Laws review discussion paper, which has been released for public consultation.
Statement from HIA Managing Director on the Federal Budget 2026-27
Positive supply reforms offset by housing taxation changes.