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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.
For more information please contact:
Annual Regional Meeting of Members of Victoria Region
Notice is hereby given that the Annual Regional Meeting of Members of the Victoria Region of Housing Industry Association Limited will be held on Monday 16 February 2026 at HIA Cremorne Office – Level 1, 8 Gwynne Street, Cremorne, Victoria, 3121 commencing at 5.00pm.
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