First home buyer loans fell to five-year low in January

Media Release

Released

3/03/2023

Source

Lending indicators, January 2023

The number of new owner-occupier first home buyer loan commitments fell to its lowest level since February 2017, according to data released today by the Australian Bureau of Statistics (ABS).

New loan commitments to owner occupier first home buyers (seasonally adjusted), number, by state
	Total	NSW	Vic	Qld	SA	WA	Tas	NT	ACT
Jan-05	8,111	1,913	2,255	1,671	548	1,291	163	131	112
Feb-05	8,309	2,093	2,293	1,679	621	1,356	151	94	105
Mar-05	8,433	1,906	2,487	1,676	540	1,339	124	111	102
Apr-05	8,390	1,954	2,529	1,693	575	1,293	178	127	100
May-05	8,658	1,982	2,723	1,577	569	1,310	226	121	128
Jun-05	8,661	2,064	2,596	1,746	567	1,288	158	130	124
Jul-05	8,502	2,115	2,440	1,595	625	1,238	149	140	127
Aug-05	9,033	2,224	2,530	1,866	621	1,340	202	196	132
Sep-05	9,314	2,374	2,482	1,976	631	1,397	190	164	108
Oct-05	9,437	2,344	2,586	2,066	677	1,370	175	156	122
Nov-05	9,752	2,454	2,681	2,039	616	1,372	195	154	124
Dec-05	9,766	2,399	2,951	2,029	602	1,406	167	153	114
Jan-06	9,683	2,260	2,655	2,120	608	1,473	196	157	119
Feb-06	9,837	2,533	2,616	2,205	592	1,465	208	163	135
Mar-06	10,383	2,724	2,586	2,348	643	1,509	222	143	176
Apr-06	10,469	2,961	2,656	2,319	634	1,469	232	143	142
May-06	10,164	2,621	2,625	2,381	626	1,284	201	126	142
Jun-06	10,034	2,653	2,606	2,432	646	1,230	201	168	141
Jul-06	10,030	2,598	2,660	2,461	628	1,250	187	116	154
Aug-06	9,419	2,511	2,459	2,392	623	1,112	176	73	174
Sep-06	9,823	2,549	2,567	2,428	679	1,091	205	86	183
Oct-06	9,759	2,647	2,644	2,371	675	1,002	177	88	165
Nov-06	9,704	2,616	2,613	2,333	690	958	198	90	180
Dec-06	9,580	2,562	2,567	2,373	636	968	184	97	158
Jan-07	9,505	2,627	2,464	2,413	629	945	147	99	140
Feb-07	9,782	2,601	2,663	2,565	675	950	165	75	170
Mar-07	10,030	2,726	2,623	2,467	729	1,002	175	108	165
Apr-07	10,468	2,839	2,705	2,651	644	1,102	177	90	156
May-07	10,067	2,708	2,717	2,548	663	1,027	184	92	138
Jun-07	10,355	2,740	2,686	2,518	615	1,326	190	95	167
Jul-07	10,163	2,730	2,661	2,418	631	1,344	155	69	157
Aug-07	10,319	2,695	2,840	2,525	631	1,355	168	83	137
Sep-07	10,096	2,525	2,845	2,430	601	1,252	203	88	138
Oct-07	10,432	2,784	2,907	2,446	648	1,251	219	81	137
Nov-07	10,616	2,801	2,969	2,458	653	1,279	210	80	139
Dec-07	10,603	2,760	2,952	2,434	695	1,297	215	71	152
Jan-08	10,736	2,781	3,062	2,314	662	1,424	195	73	149
Feb-08	10,020	2,725	2,976	2,112	660	1,276	249	78	94
Mar-08	9,029	2,397	2,496	1,783	623	1,191	177	52	125
Apr-08	8,583	2,437	2,338	1,712	637	1,189	164	63	150
May-08	8,197	2,301	2,264	1,584	591	1,090	122	89	111
Jun-08	8,187	2,299	2,289	1,468	598	1,169	182	74	107
Jul-08	8,455	2,324	2,370	1,524	648	1,215	195	93	109
Aug-08	8,289	2,356	2,266	1,487	621	1,164	204	79	129
Sep-08	8,287	2,344	2,282	1,641	546	1,115	175	62	122
Oct-08	8,214	2,203	2,314	1,643	565	1,118	161	81	157
Nov-08	10,328	2,971	2,540	2,243	759	1,290	242	103	149
Dec-08	12,204	3,532	2,946	2,562	997	1,531	290	120	208
Jan-09	13,865	4,049	3,383	2,862	1,019	1,749	325	89	227
Feb-09	14,680	4,644	3,467	3,121	1,067	1,859	366	119	236
Mar-09	16,263	5,189	3,966	3,485	1,080	1,924	360	116	266
Apr-09	16,761	5,078	4,130	3,499	1,171	2,044	239	119	288
May-09	16,664	4,970	4,053	3,572	1,242	2,165	259	108	297
Jun-09	16,479	4,931	4,030	3,418	1,191	2,180	364	113	301
Jul-09	14,842	4,334	3,873	2,848	1,075	2,050	296	106	247
Aug-09	13,963	4,025	3,796	2,820	995	1,737	245	92	223
Sep-09	14,266	3,878	3,901	2,732	1,002	2,181	265	96	265
Oct-09	14,045	3,559	4,100	2,588	1,048	2,093	250	101	249
Nov-09	11,283	2,903	3,437	1,865	760	1,897	227	59	201
Dec-09	10,051	2,532	3,080	1,749	660	1,602	193	52	159
Jan-10	9,312	2,354	2,914	1,593	619	1,402	182	57	124
Feb-10	8,341	2,086	3,023	1,358	504	1,199	138	56	176
Mar-10	7,331	1,878	2,376	1,248	512	1,029	130	36	142
Apr-10	7,123	1,999	2,255	1,186	458	885	129	56	125
May-10	7,255	2,105	2,299	1,180	460	877	115	52	115
Jun-10	6,694	1,885	2,160	1,148	447	826	107	45	107
Jul-10	6,844	1,955	2,173	1,192	446	711	114	46	118
Aug-10	6,656	1,797	2,116	1,179	470	807	128	51	109
Sep-10	6,648	1,803	2,090	1,167	447	843	130	46	115
Oct-10	6,400	1,627	2,030	1,154	424	899	115	40	108
Nov-10	6,655	1,742	2,043	1,242	448	934	107	43	116
Dec-10	7,074	1,875	2,179	1,287	435	1,002	118	43	122
Jan-11	6,462	1,815	1,876	1,138	395	944	123	45	102
Feb-11	6,156	1,720	1,917	1,104	403	903	86	41	116
Mar-11	6,663	1,890	1,961	1,174	414	1,015	117	68	87
Apr-11	6,838	1,864	1,964	1,217	374	1,011	129	49	122
May-11	6,780	1,953	1,918	1,190	389	1,077	127	51	115
Jun-11	6,685	1,845	1,904	1,235	402	1,005	121	59	119
Jul-11	6,637	1,788	1,930	1,229	400	945	123	57	114
Aug-11	6,839	1,801	1,980	1,310	400	1,045	118	60	110
Sep-11	7,270	2,088	1,913	1,344	455	1,142	105	59	108
Oct-11	7,826	2,419	2,023	1,488	446	1,094	116	62	110
Nov-11	8,087	2,828	1,956	1,435	436	1,155	115	54	133
Dec-11	9,204	3,415	2,074	1,652	449	1,183	104	65	124
Jan-12	8,815	2,949	2,089	1,788	464	1,377	105	67	127
Feb-12	7,099	1,657	2,108	1,478	477	1,239	124	74	112
Mar-12	7,201	1,369	2,139	1,626	441	1,273	87	85	112
Apr-12	7,318	1,477	2,027	1,693	513	1,310	81	75	111
May-12	7,477	1,557	2,289	1,647	447	1,292	114	73	124
Jun-12	7,709	1,574	2,394	1,616	433	1,344	119	73	89
Jul-12	7,998	1,600	2,676	1,500	469	1,400	115	77	138
Aug-12	8,016	1,712	2,298	1,655	476	1,457	119	72	135
Sep-12	8,007	1,928	2,183	1,641	473	1,433	136	66	120
Oct-12	7,854	1,584	2,217	1,850	462	1,440	135	76	120
Nov-12	7,411	1,324	2,128	1,594	485	1,532	123	86	112
Dec-12	6,992	1,083	2,105	1,465	502	1,549	118	88	113
Jan-13	7,209	1,121	2,176	1,454	521	1,560	125	104	133
Feb-13	7,145	1,204	2,165	1,442	559	1,520	131	69	136
Mar-13	7,536	1,158	2,250	1,506	576	1,666	114	58	135
Apr-13	7,626	1,272	2,209	1,568	598	1,715	127	56	140
May-13	7,755	1,210	2,330	1,574	573	1,765	144	67	141
Jun-13	7,954	1,248	2,388	1,636	585	1,716	142	52	127
Jul-13	8,158	1,379	2,565	1,592	658	1,649	143	72	141
Aug-13	7,911	1,337	2,219	1,520	628	1,629	163	52	158
Sep-13	7,735	1,291	2,270	1,572	619	1,604	164	50	161
Oct-13	7,683	1,298	2,140	1,614	664	1,616	174	57	135
Nov-13	7,685	1,353	2,172	1,580	688	1,542	170	59	132
Dec-13	7,207	1,289	2,062	1,498	651	1,443	136	51	139
Jan-14	7,619	1,335	2,083	1,554	690	1,615	151	50	131
Feb-14	7,684	1,361	2,041	1,657	644	1,663	159	68	142
Mar-14	7,622	1,385	1,982	1,590	604	1,700	182	62	145
Apr-14	7,370	1,308	1,969	1,508	615	1,614	169	71	120
May-14	7,548	1,320	1,946	1,586	613	1,706	178	72	128
Jun-14	7,597	1,358	1,875	1,501	602	1,825	213	70	143
Jul-14	7,226	1,225	1,933	1,514	554	1,598	183	70	144
Aug-14	7,502	1,317	2,015	1,680	501	1,518	151	71	148
Sep-14	7,442	1,371	2,092	1,609	418	1,519	153	93	155
Oct-14	7,493	1,355	2,114	1,573	452	1,569	132	98	191
Nov-14	7,204	1,325	2,060	1,514	410	1,522	112	77	158
Dec-14	7,072	1,275	2,104	1,521	436	1,455	169	83	162
Jan-15	7,009	1,309	2,035	1,452	395	1,315	167	80	167
Feb-15	7,305	1,365	2,143	1,609	383	1,470	158	53	164
Mar-15	7,420	1,425	2,141	1,638	411	1,470	141	53	151
Apr-15	7,369	1,310	2,111	1,589	383	1,598	146	44	170
May-15	6,813	1,235	1,989	1,572	397	1,389	128	34	165
Jun-15	7,059	1,301	2,007	1,607	410	1,424	123	48	161
Jul-15	6,944	1,277	1,976	1,642	399	1,394	112	32	133
Aug-15	6,892	1,199	2,016	1,541	399	1,361	126	36	126
Sep-15	6,794	1,199	2,035	1,493	441	1,345	102	33	150
Oct-15	6,496	1,136	1,948	1,389	346	1,315	109	27	124
Nov-15	6,584	1,076	2,034	1,474	391	1,272	115	35	155
Dec-15	6,904	1,193	2,201	1,611	404	1,241	153	31	141
Jan-16	6,879	1,227	2,022	1,613	395	1,213	163	44	156
Feb-16	6,955	1,226	2,147	1,659	406	1,233	152	36	144
Mar-16	6,775	1,089	2,089	1,605	426	1,178	145	40	140
Apr-16	7,125	1,302	2,227	1,591	444	1,273	167	43	146
May-16	6,974	1,215	2,246	1,662	464	1,187	164	42	157
Jun-16	7,013	1,304	2,193	1,563	429	1,198	139	43	152
Jul-16	6,736	1,107	2,114	1,572	408	1,207	143	57	148
Aug-16	6,474	1,056	1,892	1,646	406	1,130	146	47	130
Sep-16	6,567	1,014	2,022	1,609	403	1,123	140	37	115
Oct-16	6,684	1,056	2,075	1,634	435	1,131	131	37	124
Nov-16	6,699	1,043	2,057	1,651	406	1,173	153	43	128
Dec-16	6,816	1,144	2,107	1,790	345	1,135	137	44	148
Jan-17	6,802	1,143	2,081	1,687	404	1,118	126	30	191
Feb-17	6,700	1,060	2,034	1,733	402	1,167	141	51	106
Mar-17	6,960	1,146	2,094	1,779	460	1,166	146	58	117
Apr-17	7,066	1,159	2,100	1,888	409	1,238	133	59	178
May-17	7,012	1,228	2,012	1,879	422	1,292	127	51	168
Jun-17	7,634	1,286	2,065	2,105	441	1,354	131	68	218
Jul-17	8,610	1,652	2,561	2,090	459	1,499	133	59	211
Aug-17	9,117	1,937	2,760	1,987	463	1,405	133	59	231
Sep-17	8,800	1,902	2,899	1,776	470	1,252	142	69	218
Oct-17	8,842	1,872	2,899	1,830	448	1,225	150	71	224
Nov-17	9,187	1,957	2,911	2,017	481	1,186	153	45	228
Dec-17	8,823	1,921	2,848	1,953	469	1,227	150	62	198
Jan-18	8,937	2,010	2,932	1,978	460	1,200	140	66	213
Feb-18	8,913	2,187	2,843	1,822	472	1,168	146	66	302
Mar-18	8,745	1,946	2,900	1,782	452	1,160	155	51	230
Apr-18	8,626	2,078	2,762	1,837	472	1,210	149	56	224
May-18	8,603	2,140	2,777	1,891	469	1,205	163	64	158
Jun-18	8,733	2,033	2,837	1,991	444	1,133	163	60	169
Jul-18	8,858	1,993	2,824	2,075	492	1,133	191	56	164
Aug-18	8,598	1,975	2,662	1,786	504	1,116	168	45	173
Sep-18	8,418	1,890	2,591	1,741	499	1,143	161	85	172
Oct-18	8,567	1,951	2,639	1,706	513	1,200	221	62	199
Nov-18	8,628	1,977	2,618	1,670	508	1,172	176	75	222
Dec-18	7,716	1,849	2,443	1,496	477	1,071	161	80	164
Jan-19	7,745	1,769	2,438	1,554	488	1,055	170	66	143
Feb-19	7,883	1,930	2,536	1,514	509	1,099	167	65	138
Mar-19	7,890	1,844	2,550	1,590	485	1,070	166	76	150
Apr-19	7,914	1,895	2,589	1,566	508	1,086	187	123	130
May-19	8,091	1,985	2,678	1,579	509	1,125	148	90	149
Jun-19	8,454	2,009	2,742	1,639	520	1,143	183	68	145
Jul-19	8,548	2,148	2,819	1,644	502	1,159	134	71	189
Aug-19	9,064	2,206	2,925	1,691	503	1,175	193	69	191
Sep-19	9,066	2,197	2,863	1,732	513	1,180	204	62	205
Oct-19	9,161	2,145	3,045	1,738	511	1,102	182	70	209
Nov-19	9,403	2,288	3,087	1,736	514	1,149	189	54	233
Dec-19	9,565	2,296	3,357	1,752	534	1,157	168	68	237
Jan-20	9,662	2,326	3,168	1,835	534	1,204	189	65	215
Feb-20	9,588	2,414	3,079	1,965	524	1,220	183	69	242
Mar-20	9,677	2,657	3,098	1,881	521	1,199	201	94	224
Apr-20	9,509	2,476	3,208	1,667	505	1,108	178	72	241
May-20	8,531	2,083	3,011	1,599	494	1,011	151	68	253
Jun-20	9,339	2,469	2,975	1,933	577	1,183	192	80	232
Jul-20	10,825	2,630	3,324	2,235	649	1,428	213	99	245
Aug-20	12,820	2,888	4,013	2,661	737	1,706	291	99	259
Sep-20	13,418	3,160	3,623	2,954	930	1,966	241	104	297
Oct-20	13,662	3,175	3,324	3,058	892	2,223	330	113	287
Nov-20	14,055	3,171	3,839	3,075	800	2,240	248	130	270
Dec-20	15,124	3,400	4,523	3,216	850	2,397	252	99	322
Jan-21	16,372	3,435	4,897	3,524	959	2,605	257	117	326
Feb-21	15,848	3,341	4,843	3,407	1,083	2,518	279	162	295
Mar-21	15,434	3,621	4,644	3,171	1,013	2,381	263	136	329
Apr-21	14,974	3,561	4,676	3,147	969	2,219	255	120	295
May-21	14,821	3,484	4,689	3,048	900	2,312	253	115	305
Jun-21	13,841	3,436	4,398	2,731	897	1,924	236	130	326
Jul-21	13,045	3,214	4,060	2,607	794	1,876	218	105	321
Aug-21	12,437	2,904	3,881	2,589	704	1,778	195	88	277
Sep-21	12,023	2,811	3,152	2,574	730	1,888	221	70	245
Oct-21	11,382	2,700	3,246	2,407	694	1,588	196	73	217
Nov-21	11,555	2,739	3,630	2,386	685	1,614	171	92	274
Dec-21	11,798	2,661	3,568	2,382	653	1,843	197	74	259
Jan-22	11,057	2,569	3,493	2,070	629	1,645	162	64	285
Feb-22	10,011	2,197	3,373	1,946	573	1,594	158	58	197
Mar-22	10,490	2,401	3,331	2,054	575	1,659	151	61	280
Apr-22	9,760	2,246	3,156	2,058	582	1,587	150	57	290
May-22	10,143	2,249	3,271	2,047	569	1,523	167	77	329
Jun-22	9,495	2,066	3,021	1,999	553	1,357	168	62	279
Jul-22	8,326	1,840	2,659	1,616	521	1,270	155	62	256
Aug-22	9,208	1,917	2,938	1,869	512	1,433	197	72	272
Sep-22	8,751	1,839	2,798	1,731	479	1,293	146	71	248
Oct-22	8,416	1,789	2,637	1,699	462	1,262	123	66	236
Nov-22	7,893	1,681	2,459	1,622	452	1,191	142	57	201
Dec-22	7,566	1,729	2,294	1,604	456	1,110	143	55	164
Jan-23	6,956	1,510	2,031	1,462	449	1,069	131	66	199

New loan commitments to owner occupier first home buyers (seasonally adjusted), number, by state

["","Total","NSW","Vic","Qld","SA","WA","Tas","NT","ACT"]

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Mish Tan, ABS head of finance and wealth statistics, said, “The number of new owner-occupier first home buyer loan commitments fell 8.1 per cent in January 2023.

“Owner-occupier first home buyer lending continued to decline from the high reached in January 2021. The decline coincided with the winding down of COVID-19 pandemic stimulus measures.

“Anecdotal feedback from lenders suggested that reduced borrowing capacity due to rising interest rates further dampened overall demand for new housing loans in recent months.”

The overall value of new loan commitments for housing fell 5.3 per cent to $22.1 billion in January 2023. The value of total new owner-occupier loan commitments fell 4.9 per cent to $14.7 billion, while new investor loan commitments fell 6.0 per cent to $7.4 billion.

New loan commitments, total housing (seasonally adjusted), values, Australia – excluding refinancing
	Total (seasadj) ($b)	Owner occupier (seasadj) ($b)	Investor (seasadj) ($b)
Jan-05	13.208	8.098	5.11
Feb-05	13.838	8.496	5.343
Mar-05	13.514	8.217	5.297
Apr-05	13.248	8.087	5.162
May-05	12.749	8.025	4.724
Jun-05	12.633	8.152	4.48
Jul-05	12.845	8.085	4.76
Aug-05	12.897	8.308	4.589
Sep-05	13.531	8.644	4.888
Oct-05	14.027	8.715	5.312
Nov-05	14.063	8.851	5.212
Dec-05	14.036	8.878	5.158
Jan-06	14.259	8.956	5.303
Feb-06	14.433	9.18	5.253
Mar-06	14.536	9.268	5.268
Apr-06	14.81	9.464	5.347
May-06	15.194	9.491	5.703
Jun-06	15.492	9.516	5.977
Jul-06	15.28	9.79	5.49
Aug-06	15.005	9.492	5.513
Sep-06	14.164	9.169	4.995
Oct-06	14.329	9.276	5.053
Nov-06	14.205	9.232	4.973
Dec-06	14.589	9.401	5.188
Jan-07	14.959	9.579	5.38
Feb-07	15.403	9.768	5.634
Mar-07	15.919	10.081	5.838
Apr-07	16.302	10.268	6.034
May-07	17.12	10.694	6.425
Jun-07	18.247	11.341	6.906
Jul-07	17.418	10.785	6.633
Aug-07	17.435	11.056	6.379
Sep-07	16.752	10.441	6.311
Oct-07	16.872	10.771	6.101
Nov-07	16.995	10.661	6.335
Dec-07	16.546	10.363	6.183
Jan-08	16.876	10.782	6.094
Feb-08	15.69	9.914	5.777
Mar-08	14.562	9.147	5.415
Apr-08	13.86	8.697	5.163
May-08	12.996	8.199	4.797
Jun-08	12.944	8.199	4.746
Jul-08	12.781	8.132	4.649
Aug-08	12.619	7.961	4.659
Sep-08	12.975	8.246	4.73
Oct-08	13.396	8.562	4.834
Nov-08	13.039	8.545	4.493
Dec-08	13.927	9.378	4.549
Jan-09	14.885	10.226	4.659
Feb-09	15.364	10.782	4.583
Mar-09	16.711	11.971	4.74
Apr-09	17.023	11.924	5.098
May-09	16.856	11.829	5.026
Jun-09	17.202	11.97	5.232
Jul-09	17.221	11.774	5.447
Aug-09	17.328	11.63	5.698
Sep-09	17.878	12.173	5.705
Oct-09	17.613	11.804	5.809
Nov-09	17.074	11.09	5.984
Dec-09	16.491	10.607	5.884
Jan-10	15.941	10.11	5.832
Feb-10	15.667	9.793	5.874
Mar-10	15.553	9.602	5.95
Apr-10	15.267	9.362	5.905
May-10	15.415	9.434	5.981
Jun-10	15.113	9.122	5.991
Jul-10	15.04	9.289	5.751
Aug-10	14.616	9.227	5.389
Sep-10	14.626	9.147	5.479
Oct-10	14.655	9.158	5.497
Nov-10	14.708	9.324	5.384
Dec-10	15.032	9.451	5.581
Jan-11	14.152	9.01	5.142
Feb-11	14.063	8.872	5.19
Mar-11	13.626	8.828	4.798
Apr-11	13.994	8.998	4.996
May-11	14.234	9.087	5.147
Jun-11	14.136	9.095	5.04
Jul-11	14.082	9.033	5.049
Aug-11	14.167	9.037	5.129
Sep-11	13.94	8.802	5.138
Oct-11	13.86	8.859	5.001
Nov-11	14.039	8.956	5.083
Dec-11	14.729	9.405	5.324
Jan-12	14.771	9.398	5.373
Feb-12	14.078	8.677	5.401
Mar-12	14.093	8.704	5.389
Apr-12	14.345	8.924	5.421
May-12	14.505	9.109	5.396
Jun-12	14.735	9.248	5.487
Jul-12	14.776	9.28	5.496
Aug-12	14.871	9.44	5.431
Sep-12	15.1	9.495	5.605
Oct-12	14.907	9.385	5.522
Nov-12	15.186	9.432	5.754
Dec-12	15.37	9.529	5.842
Jan-13	15.894	9.794	6.1
Feb-13	16.137	9.876	6.262
Mar-13	16.888	10.355	6.533
Apr-13	16.932	10.297	6.636
May-13	17.232	10.431	6.8
Jun-13	17.296	10.474	6.821
Jul-13	17.476	10.517	6.96
Aug-13	17.355	10.232	7.123
Sep-13	18.204	10.761	7.443
Oct-13	18.695	10.894	7.801
Nov-13	19.23	11.18	8.05
Dec-13	19.006	10.954	8.052
Jan-14	19.183	11.188	7.994
Feb-14	19.372	11.445	7.927
Mar-14	19.485	11.381	8.104
Apr-14	19.58	11.314	8.266
May-14	19.503	11.227	8.275
Jun-14	19.629	11.388	8.241
Jul-14	19.816	11.28	8.536
Aug-14	19.621	10.971	8.65
Sep-14	20.008	11.116	8.892
Oct-14	20.592	11.424	9.168
Nov-14	20.04	10.948	9.092
Dec-14	20.485	11.383	9.102
Jan-15	20.707	11.534	9.173
Feb-15	20.115	11.287	8.828
Mar-15	21.265	11.741	9.524
Apr-15	21.798	11.775	10.024
May-15	20.333	11.146	9.187
Jun-15	21.127	11.987	9.14
Jul-15	21.175	12.329	8.847
Aug-15	21.683	13.206	8.477
Sep-15	20.956	13.562	7.394
Oct-15	20.018	13.138	6.88
Nov-15	19.641	12.986	6.655
Dec-15	19.589	12.89	6.698
Jan-16	19.135	12.526	6.608
Feb-16	19.366	12.742	6.625
Mar-16	19.107	12.449	6.658
Apr-16	19.582	12.717	6.865
May-16	20.004	12.785	7.219
Jun-16	20.197	12.687	7.51
Jul-16	20.078	12.431	7.647
Aug-16	19.883	12.313	7.57
Sep-16	20.777	12.454	8.323
Oct-16	21.186	12.606	8.581
Nov-16	21.508	12.692	8.816
Dec-16	21.974	13.05	8.924
Jan-17	22.233	13.234	9
Feb-17	21.74	13.198	8.542
Mar-17	22.612	13.731	8.882
Apr-17	22.634	13.863	8.772
May-17	22.084	13.794	8.29
Jun-17	22.101	13.947	8.154
Jul-17	22.114	14.23	7.884
Aug-17	22.37	14.444	7.926
Sep-17	22.104	14.295	7.809
Oct-17	21.652	14.122	7.53
Nov-17	21.509	14.114	7.395
Dec-17	21.16	13.997	7.164
Jan-18	21.216	14.278	6.938
Feb-18	21.134	14.201	6.934
Mar-18	20.439	13.85	6.59
Apr-18	20.154	13.769	6.386
May-18	20.707	14.199	6.508
Jun-18	20.296	13.98	6.316
Jul-18	20.213	13.911	6.303
Aug-18	19.418	13.364	6.054
Sep-18	18.648	12.808	5.841
Oct-18	18.897	13.219	5.678
Nov-18	17.836	12.47	5.366
Dec-18	16.916	11.782	5.134
Jan-19	16.662	11.747	4.914
Feb-19	17.05	12.162	4.889
Mar-19	16.482	11.677	4.805
Apr-19	16.445	11.714	4.73
May-19	16.326	11.603	4.724
Jun-19	16.527	11.794	4.733
Jul-19	17.009	12.149	4.86
Aug-19	17.832	12.588	5.244
Sep-19	18.062	12.971	5.091
Oct-19	18.594	13.433	5.161
Nov-19	19.369	13.983	5.386
Dec-19	19.55	14.135	5.415
Jan-20	19.821	14.484	5.337
Feb-20	19.135	13.949	5.186
Mar-20	19.225	14.231	4.994
Apr-20	18.203	13.333	4.87
May-20	16.275	12.15	4.125
Jun-20	17.236	12.812	4.424
Jul-20	19.021	14.364	4.656
Aug-20	21.251	16.273	4.977
Sep-20	22.599	17.262	5.337
Oct-20	23.065	17.728	5.337
Nov-20	24.072	18.495	5.577
Dec-20	25.519	19.493	6.027
Jan-21	28.383	21.92	6.463
Feb-21	28.75	21.861	6.889
Mar-21	29.886	22.165	7.721
Apr-21	30.577	22.642	7.935
May-21	31.721	22.871	8.849
Jun-21	31.204	22.345	8.859
Jul-21	31.722	22.457	9.265
Aug-21	31.247	21.665	9.582
Sep-21	30.898	20.922	9.975
Oct-21	30.746	20.489	10.257
Nov-21	32.313	21.614	10.699
Dec-21	32.95	22.023	10.927
Jan-22	33.914	22.589	11.325
Feb-22	32.907	21.535	11.372
Mar-22	32.706	21.306	11.4
Apr-22	31.522	20.471	11.052
May-22	31.382	20.605	10.777
Jun-22	30.315	20.014	10.301
Jul-22	28.286	18.968	9.318
Aug-22	27.496	18.437	9.059
Sep-22	26.294	17.538	8.755
Oct-22	25.451	16.916	8.535
Nov-22	24.329	16.124	8.205
Dec-22	23.28	15.429	7.851
Jan-23	22.051	14.668	7.383

New loan commitments, total housing (seasonally adjusted), values, Australia – excluding refinancing

["","Total (seasadj)","Owner occupier (seasadj)","Investor (seasadj)"]

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36000000000001],[19.021000000000001],[21.251000000000001],[22.599],[23.065000000000001],[24.071999999999999],[25.518999999999998],[28.382999999999999],[28.75],[29.885999999999999],[30.577000000000002],[31.721],[31.204000000000001],[31.722000000000001],[31.247],[30.898],[30.745999999999999],[32.313000000000002],[32.950000000000003],[33.914000000000001],[32.906999999999996],[32.706000000000003],[31.521999999999998],[31.382000000000001],[30.315000000000001],[28.286000000000001],[27.495999999999999],[26.294],[25.451000000000001],[24.329000000000001],[23.280000000000001],[22.050999999999998]],[[8.0980000000000008],[8.4960000000000004],[8.2170000000000005],[8.0869999999999997],[8.0250000000000004],[8.1519999999999992],[8.0850000000000009],[8.3079999999999998],[8.6440000000000001],[8.7149999999999999],[8.8510000000000009],[8.8780000000000001],[8.9559999999999995],[9.1799999999999997],[9.2680000000000007],[9.4640000000000004],[9.4909999999999997],[9.516],[9.7899999999999991],[9.4920000000000009],[9.1690000000000005],[9.2759999999999998],[9.2319999999999993],[9.4009999999999998],[9.5790000000000006],[9.7680000000000007],[10.081],[10.268000000000001],[10.694000000000001],[11.340999999999999],[10.785],[11.055999999999999],[10.441000000000001],[10.771000000000001],[10.661],[10.363],[10.782],[9.9139999999999997],[9.1470000000000002],[8.6969999999999992],[8.1989999999999998],[8.1989999999999998],[8.1319999999999997],[7.9610000000000003],[8.2460000000000004],[8.5619999999999994],[8.5449999999999999],[9.3780000000000001],[10.226000000000001],[10.782],[11.971],[11.923999999999999],[11.829000000000001],[11.970000000000001],[11.773999999999999],[11.630000000000001],[12.173],[11.804],[11.09],[10.606999999999999],[10.109999999999999],[9.7929999999999993],[9.6020000000000003],[9.3620000000000001],[9.4339999999999993],[9.1219999999999999],[9.2889999999999997],[9.2270000000000003],[9.1470000000000002],[9.1579999999999995],[9.3239999999999998],[9.4510000000000005],[9.0099999999999998],[8.8719999999999999],[8.8279999999999994],[8.9979999999999993],[9.0869999999999997],[9.0950000000000006],[9.0329999999999995],[9.0370000000000008],[8.8019999999999996],[8.859],[8.9559999999999995],[9.4049999999999994],[9.3979999999999997],[8.6769999999999996],[8.7040000000000006],[8.9239999999999995],[9.109],[9.2479999999999993],[9.2799999999999994],[9.4399999999999995],[9.4949999999999992],[9.3849999999999998],[9.4320000000000004],[9.5289999999999999],[9.7940000000000005],[9.8759999999999994],[10.355],[10.297000000000001],[10.430999999999999],[10.474],[10.516999999999999],[10.231999999999999],[10.760999999999999],[10.894],[11.18],[10.954000000000001],[11.188000000000001],[11.445],[11.381],[11.314],[11.227],[11.388],[11.279999999999999],[10.971],[11.116],[11.423999999999999],[10.948],[11.382999999999999],[11.534000000000001],[11.287000000000001],[11.741],[11.775],[11.146000000000001],[11.987],[12.329000000000001],[13.206],[13.561999999999999],[13.138],[12.986000000000001],[12.890000000000001],[12.526],[12.742000000000001],[12.449],[12.717000000000001],[12.785],[12.686999999999999],[12.430999999999999],[12.313000000000001],[12.454000000000001],[12.606],[12.692],[13.050000000000001],[13.234],[13.198],[13.731],[13.863],[13.794],[13.946999999999999],[14.23],[14.444000000000001],[14.295],[14.122],[14.114000000000001],[13.997],[14.278],[14.201000000000001],[13.85],[13.769],[14.199],[13.98],[13.911],[13.364000000000001],[12.808],[13.218999999999999],[12.470000000000001],[11.782],[11.747],[12.162000000000001],[11.677],[11.714],[11.603],[11.794],[12.148999999999999],[12.587999999999999],[12.971],[13.433],[13.983000000000001],[14.135],[14.484],[13.949],[14.231],[13.333],[12.15],[12.811999999999999],[14.364000000000001],[16.273],[17.262],[17.728000000000002],[18.495000000000001],[19.492999999999999],[21.920000000000002],[21.861000000000001],[22.164999999999999],[22.641999999999999],[22.870999999999999],[22.344999999999999],[22.457000000000001],[21.664999999999999],[20.922000000000001],[20.489000000000001],[21.614000000000001],[22.023],[22.588999999999999],[21.535],[21.306000000000001],[20.471],[20.605],[20.013999999999999],[18.968],[18.437000000000001],[17.538],[16.916],[16.123999999999999],[15.429],[14.667999999999999]],[[5.1100000000000003],[5.343],[5.2969999999999997],[5.1619999999999999],[4.7240000000000002],[4.4800000000000004],[4.7599999999999998],[4.5890000000000004],[4.8879999999999999],[5.3120000000000003],[5.2119999999999997],[5.1580000000000004],[5.3029999999999999],[5.2530000000000001],[5.2679999999999998],[5.3470000000000004],[5.7030000000000003],[5.9770000000000003],[5.4900000000000002],[5.5129999999999999],[4.9950000000000001],[5.0529999999999999],[4.9729999999999999],[5.1879999999999997],[5.3799999999999999],[5.6340000000000003],[5.8380000000000001],[6.0339999999999998],[6.4249999999999998],[6.9059999999999997],[6.633],[6.3789999999999996],[6.3109999999999999],[6.101],[6.335],[6.1829999999999998],[6.0940000000000003],[5.7770000000000001],[5.415],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[]

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The value of owner-occupier housing loan refinancing between lenders fell 1.9 per cent but remained close to record highs at $12.7 billion. Borrowers continued to switch lenders for lower interest rates as the RBA’s cash rate target rose.

		Aus *	NSW	Vic	Qld	SA	WA	Tas	NT	ACT
Owner-occupiers
	Value ($b) :	14.7	4.4	4.0	2.9	0.9	1.6	0.2	0.1	0.4
	Value change ($m):	-761	-339	-441	-104	-38	-89	-11	-1	26
	Value % change ** :	-4.9	-7.1	-9.8	-3.5	-4.2	-5.4	-4.6	-1.2	7.2
Owner-occupier first home buyers
	Number change :	-610	-219	-263	-142	-7	-41	-12	11	35
	Number % change ** :	-8.1	-12.7	-11.5	-8.9	-1.5	-3.7	-8.4	20.0 †	21.3 †
Investors
	Value change ($m):	-469	-20	-155	-74	-50	-96	-10	15	29
	Value % change ** :	-6.0	-0.7	-7.4	-4.9	-11.4	-14.1	-10.9 †	63.5 †	13.7 †

* Total Australia levels do not necessarily equal the sum of states, due to independent seasonal adjustment

** All movements are on a month-to-month basis

† A smaller and more volatile series

Personal finance

The value of total new loan commitments for fixed term personal finance rose 0.5 per cent.

Lending for the purchase of road vehicles fell 0.4 per cent, while lending for the purchase of household goods rose 6.2 per cent to another record high. Meanwhile lending for travel and holidays rose 0.9 per cent to the highest level seen since late 2018.

More information is available in Lending Indicators, Australia.

Media notes

All figures are seasonally adjusted unless noted otherwise.
When reporting ABS data, you must attribute the Australian Bureau of Statistics (or the ABS) as the source.
For media requests and interviews, please contact the ABS Media Team via media@abs.gov.au between 8:30am and 5pm AEDT Monday to Friday.
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APA

Citation

First home buyer loans fell to five-year low in January

APA

Citation

Personal finance

Media notes

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