Historical coverage. This summary was prepared after the original event. Rules, prices and conditions may have changed; consult the dated original source and current official guidance.

At a glance

  • APRA’s quarterly report showed residential credit outstanding rising 7% over the year.[1]

What was announced

Residential property credit outstanding at authorised deposit-taking institutions reached A$2,558.5 billion in the June quarter of 2026, up 7% from a year earlier, according to APRA.[1]

Investment loans accounted for 31.2% of outstanding credit. Loans with a loan-to-valuation ratio of at least 80% represented 16.7%. Non-performing loans were 1.01% of the relevant portfolio, compared with 1.04% a year earlier.[1]

Context & interpretation

Why it matters

Outstanding credit is a stock of loans, not the flow of newly approved mortgages. These banking-sector indicators describe lending exposure and should not be read as a direct house-price forecast.

Sources & further reading

  1. Australian bank housing credit reached A$2.56 trillion in June quarter ↗Australian Prudential Regulation Authority · 17 Sep 2026 · Accessed 1 Nov 2026

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