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{{propApi.successMessage}} {{region}} Change locationAPRA's handbrake could exacerbate inequities in wealth
APRA's handbrake could exacerbate inequities in wealth
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Investors were responsible for delivering 42% of new detached homes in 2024/25. Investors play a critical role in solving Australia’s housing crisis and we need more investors building new homes, not fewer.
“Investors have high LVR ratio’s because they typically have a deep and diverse set of investments, outside of the housing market and are not reflective of the wider market.
“Older households who have seen their wealth rise due to property price growth are well capitalised and unlikely to face any restriction in access to capital, however younger people who are in a wealth accumulation phase will.
“These interventions by APRA risk exacerbating the intergenerational inequity caused by rising home prices.
“There are households in their 30’s and 40’s who purchase an investment property as part of their personal savings strategy. These types of investors are critical to a well-functioning housing market and boost the supply of rental properties. They do not reduce the supply of housing, because they do not live in those houses.
“While the construction loans might be excluded from this measure, at this time, we still need investors to supply rental properties in established areas where there are very low rental vacancies.
“This continues the belt and braces approach to financial regulations that has seen mortgage arrears in Australia approaching zero.
“We have seen these ill-timed interventions from APRA and ASIC before. In the five years prior to the pandemic, they intervened to restrict lending due to their concerns that the market might over-supply housing.
“The housing industry is reliant on a stable and reliable financial sector.
“But since the GFC, the growth in restrictions on lending have unpicked much of the Keating reforms of the 1990’s.
“It should be banks that determine if an individual can service a loan, not the government.
“Macroprudential restrictions constraint competition among banks and ensure borrowers pay a higher cost.
“It is time for the Australian Government to undertake a “Campbell” style review of macroprudential restrictions and their adverse impact on housing supply in Australia.
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New rules add thousands to the cost of a new home as Tasmania falls years behind on housing
From today, every new home built in Tasmania must meet the full Livable Housing Design requirements. The Housing Industry Association says this adds thousands of dollars to the cost of building a home, at a time when Tasmanians can least afford it.
Rules for managing the risk of falls have changed - are you up to date?
Changes to Western Australia's requirements for managing the risks of falls will commence on 1 October 2026, introducing new expectations for builders, contractors and workers undertaking tasks where there is a risk of falling.
Livable Housing Design: final stage now in force
As of today, 1 October 2026, all new building work in Tasmania, unless exempt, must comply with all requirements of Part H8 Livable Housing Design of NCC Volume Two.
ACT housing approvals slump puts 2030 target under pressure
“The ACT’s housing supply pipeline is weakening, with building approvals in the three months to August halving compared with a year earlier,” said HIA Executive Director ACT and Southern NSW, Geordan Murray.