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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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Working toward building 1.2 million homes
“HIA forecasts show that recent policy announcements will see more than 1 million new homes commencing construction over the next five years,” said HIA Chief Economist, Tim Reardon.
Update on Tasmanian State Election
Tasmanian Liberals re-elected in 2025 with new housing and construction policies. Tasmanians could benefit from $30,000 First Home Owner Grants, extended Payroll Tax Rebates for apprenticeships and reforms to speed up housing land supply and improve building regulations in Tasmania.
NCC pause, reforming long overdue EPBC Act and 5% house deposits
Over the past few days there has been a number of important housing announcements from the Federal government that HIA has been advocating for over several years.
Unlocking the ‘missing middle’ to address the 83,000 tradies shortfall
“An average person leaving school today will have up to 15 different jobs in their lifetime. High school students, as they finish their senior school education, have an unlimited number of career options at their feet,” said HIA Managing Director, Jocelyn Martin, as part of the launch at National Skills Week.