{{propApi.title}}
{{propApi.text}} {{region}} Change location{{propApi.title}}
{{propApi.successMessage}} {{region}} Change location {{propApi.title}}
{{propApi.text}} {{region}} Change location{{propApi.title}}
{{propApi.successMessage}} {{region}} Change locationAPRA's handbrake could exacerbate inequities in wealth
APRA's handbrake could exacerbate inequities in wealth
Member and guest login
Enter your email and password to access secured content, members only resources and discount prices.
Did you become a member online? If not, you will need to activate your account to login.
If you are having problems logging in, please call HIA helpdesk on 1300 650 620 during business hours.
Forgotten password
Need some help?
If you are having problems logging in, please call HIA helpdesk on 1300 650 620 during business hours.
If the email address you have entered is registered, you will receive an email with further instructions.
Become part of the HIA community
Enables quick and easy registration for future events or learning and grants access to expert advice and valuable resources.
Create a guest account
Enter your details below and create a login
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.
For more information please contact:
Federal Government confirms funding for Territory apprentices during visit to Darwin
“The Housing Industry Association (HIA) is pleased to welcome Minister Andrew Giles to the HIA NT Skills Centre in Darwin, providing an opportunity to showcase the Northern Territory’s training pipeline and discuss the continued challenges facing the local residential building industry,” HIA Executive Director Northern Territory, Luis Espinoza, said today.
Housing Australia launches Round 3 funding
The Federal Government, through Housing Australia, has announced a third round of funding, in support of its commitment to the building of 1.2 million homes over the next 5 years.
Christmas Comes Early for Housing: HIA Backs Premier’s Action Agenda
The Housing Industry Association (HIA) today welcomed Premier Rockliff’s announcement of the Tasmanian Government’s next 100-day plan, which commits a suite of housing and planning reforms to fast-track new homes and cut red tape.
Key changes under the QBCC Bill
The Queensland Government recently announced the next phase of the ‘Building Reg Reno’ reforms, including various changes under the Queensland Building and Construction Commission and Other Legislation Amendment Bill 2025.