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{{propApi.successMessage}} {{region}} Change locationOwner occupiers drive record year in housing finance
Owner occupiers drive record year in housing finance
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The ABS released the Lending to Households and Businesses data for December 2021 today. The data provides statistics on housing finance commitments.
“The total value of housing loans issued in 2021 reached almost $370 billion, up by 51 per cent on the previous year and the strongest year since records began in 2002,” added Mr Devitt.
“This was driven by owner occupiers, accounting for over $260 billion of the total in 2021, up by 43 per cent on the previous year.
“While loans to first home buyers have come down in recent months, this cohort remains much more active in the market than it did before the pandemic. First home buyers accounted for $74 billion worth of housing loans in 2021, up by 30.3 per cent on the previous year.
“The boom in renovations also looks set to continue with lending for renovations of $5.4 billion in 2021, almost double the level in 2020.
“While investor loans are another growing sector of the market, they remain a relatively small share of the market.
“Investors accounted for $106 billion worth of housing loans in 2021, up by 75.1 per cent on the previous year. This still represents 28 per cent of the total market, compared to more than 40 per cent in 2015.
“Australians are remaining very active in the housing market. The pandemic has forced people to spend a lot more time at home, resulting in demand for greater amenity. This is being found in both moving to a new home or renovating the home people already have," concluded Mr Devitt.
Housing and Productivity Contribution Scheme Works-in-Kind Guideline
In mid-June 2025, the NSW Premier released the Housing and Productivity Contribution (HPC) Works-in-Kind Guideline for public consultation.
Government announces broader licensing powers and HBCA review
Today the State Government announced proposed changes to the regulatory powers to investigate registered builders who may be unable to meet the financial requirements of registration. The announcement also included a long-awaited review of the Home Building Contracts Act 1991 (HBCA) and associated laws.
Interest rate cuts boost building approvals
“Two cuts to the cash rate have seen the volume of detached house building approvals rise to be 3.2 per cent higher than the same month last year,” stated HIA Senior Economist Tom Devitt.
Huge task ahead to achieve 30,000 homes by 2030
“Building approvals data released today highlights the magnitude of the task ahead if we are to achieve the Government’s target of building 30,000 homes in the ACT over the next five years,” said Geordan Murray, acting HIA Executive Director ACT and Southern NSW.