New home loans fall 5.4 per cent in June quarter

Media Release

Released

14/08/2026

Source

Lending indicators, June Quarter 2026

Release date and time

14/08/2026 11:30am AEST

The number of new home loans fell 5.4 per cent to 134,225 in June quarter 2026, according to data released today by the Australian Bureau of Statistics (ABS).

Dr Mish Tan, ABS head of finance statistics, said: 'Lending fell across all borrower types this quarter and returned to similar levels to this time last year.'

'Lending conditions continued to change in the June quarter, with the Reserve Bank of Australia increasing the cash rate for the third time in 2026. Changes to negative gearing and capital gains tax were also announced in the federal budget in May, to commence in July 2027.'

The value of total new home loans fell 5.2 per cent (-$5.4 billion) this quarter, after a 3.4 per cent fall in the previous quarter.

'While the value of home loans increased 6.8 per cent since June quarter 2025, this was lower than the 19.1 per cent annual growth recorded in the March quarter,' Dr Tan said.

Investor loans drive the fall in new home loans

The number of investor loans fell 8.6 per cent (-4,966 loans) after a 4.7 per cent fall in the March quarter.

'The fall in investor loans in the June quarter was the largest fall since September quarter 2022,' Dr Tan said.

'Annually, growth in investor loans slowed from 19.4 per cent in the March quarter to 2.8 per cent this quarter.'

New South Wales (-15.5 per cent), Victoria (-14.2 per cent) and Queensland (-10.1 per cent) led the fall in investor loans. Meanwhile, rises were recorded in the Northern Territory (12.8 per cent), the Australian Capital Territory (8.7 per cent) and Tasmania (5.3 percent).

Owner occupier loans fall through the year

The number of new owner-occupier loans fell 3.3 per cent (-2,745 loans) in the June quarter, following a 3.8 per cent fall in the previous quarter.

'Lending to owner occupiers was 1.6 per cent lower than a year ago, marking the first annual fall since September quarter 2023,' Dr Tan said.

Owner occupier first home buyer loans also fell 2.9 per cent (-891 loans), following a 3.6 per cent fall in the March quarter. In annual terms, the number of new first home buyer loans was unchanged.

Number of new loan commitments for dwellings (a), seasonally adjusted, Australia
	Total dwellings (seasadj) (no.)	Owner occupier (seasadj) (no.)	Investor (seasadj) (no.)
Jun-16	NA	88,782	NA
Sep-16	NA	82,558	NA
Dec-16	NA	84,154	NA
Mar-17	NA	89,512	NA
Jun-17	NA	90,149	NA
Sep-17	NA	93,191	NA
Dec-17	NA	89,500	NA
Mar-18	NA	87,158	NA
Jun-18	NA	86,773	NA
Sep-18	NA	83,272	NA
Dec-18	NA	80,898	NA
Mar-19	NA	75,292	NA
Jun-19	NA	73,392	NA
Sep-19	108,184	77,065	31,120
Dec-19	111,928	80,454	31,474
Mar-20	109,778	80,115	29,663
Jun-20	94,718	70,606	24,112
Sep-20	119,552	90,366	29,187
Dec-20	134,790	102,892	31,898
Mar-21	157,321	119,385	37,936
Jun-21	157,981	114,722	43,258
Sep-21	158,119	108,615	49,504
Dec-21	155,445	103,041	52,405
Mar-22	154,440	101,386	53,054
Jun-22	141,785	92,797	48,988
Sep-22	129,398	86,083	43,315
Dec-22	115,891	76,591	39,299
Mar-23	111,160	74,392	36,767
Jun-23	115,670	76,703	38,967
Sep-23	115,666	75,591	40,075
Dec-23	121,827	78,756	43,071
Mar-24	122,288	78,239	44,048
Jun-24	132,796	82,746	50,050
Sep-24	134,549	83,279	51,271
Dec-24	130,649	81,916	48,733
Mar-25	130,273	82,068	48,205
Jun-25	134,077	82,931	51,146
Sep-25	141,945	84,188	57,756
Dec-25	148,075	87,659	60,416
Mar-26	141,936	84,371	57,565
Jun-26	134,225	81,626	52,599

Number of new loan commitments for dwellings (a), seasonally adjusted, Australia

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

[["Jun-16","Sep-16","Dec-16","Mar-17","Jun-17","Sep-17","Dec-17","Mar-18","Jun-18","Sep-18","Dec-18","Mar-19","Jun-19","Sep-19","Dec-19","Mar-20","Jun-20","Sep-20","Dec-20","Mar-21","Jun-21","Sep-21","Dec-21","Mar-22","Jun-22","Sep-22","Dec-22","Mar-23","Jun-23","Sep-23","Dec-23","Mar-24","Jun-24","Sep-24","Dec-24","Mar-25","Jun-25","Sep-25","Dec-25","Mar-26","Jun-26"],[[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[108184],[111928],[109778],[94718],[119552],[134790],[157321],[157981],[158119],[155445],[154440],[141785],[129398],[115891],[111160],[115670],[115666],[121827],[122288],[132796],[134549],[130649],[130273],[134077],[141945],[148075],[141936],[134225]],[[88782],[82558],[84154],[89512],[90149],[93191],[89500],[87158],[86773],[83272],[80898],[75292],[73392],[77065],[80454],[80115],[70606],[90366],[102892],[119385],[114722],[108615],[103041],[101386],[92797],[86083],[76591],[74392],[76703],[75591],[78756],[78239],[82746],[83279],[81916],[82068],[82931],[84188],[87659],[84371],[81626]],[[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[null],[31120],[31474],[29663],[24112],[29187],[31898],[37936],[43258],[49504],[52405],[53054],[48988],[43315],[39299],[36767],[38967],[40075],[43071],[44048],[50050],[51271],[48733],[48205],[51146],[57756],[60416],[57565],[52599]]]

[]

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All series exclude refinancing.
Some series only commenced collection in the September quarter 2019 with the introduction of the Economic and Financial Statistics collection.
Loan commitments for dwellings includes loans for the purpose of ‘Construction of new dwellings’, ‘Purchase of new dwellings’ and ‘Purchase of existing dwellings’. 'Residential land' and 'Alterations and additions' are available as separate series.

Value of new loan commitments for dwellings (a), seasonally adjusted, Australia
	Total dwellings (seasadj) ($b)	Owner occupier (seasadj) ($b)	Investor (seasadj) ($b)
Jun-16	56.227	35.943	20.284
Sep-16	56.578	34.553	22.025
Dec-16	60.023	35.619	24.404
Mar-17	62.623	37.462	25.161
Jun-17	61.058	38.169	22.889
Sep-17	61.494	39.637	21.857
Dec-17	59.351	38.929	20.422
Mar-18	57.725	38.703	19.022
Jun-18	56.748	38.958	17.79
Sep-18	54.042	37.095	16.948
Dec-18	50.265	34.993	15.273
Mar-19	46.144	32.51	13.634
Jun-19	45.369	32.443	12.926
Sep-19	50.086	35.583	14.503
Dec-19	54.337	39.184	15.153
Mar-20	54.371	39.622	14.749
Jun-20	47.345	35.162	12.183
Sep-20	58.529	44.243	14.286
Dec-20	67.335	51.271	16.065
Mar-21	80.292	60.215	20.077
Jun-21	86.752	62.874	23.879
Sep-21	90.022	62.353	27.669
Dec-21	91.007	60.516	30.491
Mar-22	93.366	60.678	32.688
Jun-22	86.655	57.128	29.527
Sep-22	76.916	51.471	25.445
Dec-22	68.808	45.694	23.114
Mar-23	65.52	43.213	22.307
Jun-23	68.351	45.222	23.129
Sep-23	69.399	44.919	24.48
Dec-23	74.52	48.013	26.507
Mar-24	75.392	47.254	28.138
Jun-24	84.632	52.973	31.659
Sep-24	87.078	53.545	33.533
Dec-24	86.492	54.131	32.361
Mar-25	86.507	53.736	32.771
Jun-25	91.416	57.086	34.33
Sep-25	98.454	58.555	39.899
Dec-25	106.63	63.939	42.692
Mar-26	103.028	61.705	41.323
Jun-26	97.648	60.527	37.121

Value of new loan commitments for dwellings (a), seasonally adjusted, Australia

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

[["Jun-16","Sep-16","Dec-16","Mar-17","Jun-17","Sep-17","Dec-17","Mar-18","Jun-18","Sep-18","Dec-18","Mar-19","Jun-19","Sep-19","Dec-19","Mar-20","Jun-20","Sep-20","Dec-20","Mar-21","Jun-21","Sep-21","Dec-21","Mar-22","Jun-22","Sep-22","Dec-22","Mar-23","Jun-23","Sep-23","Dec-23","Mar-24","Jun-24","Sep-24","Dec-24","Mar-25","Jun-25","Sep-25","Dec-25","Mar-26","Jun-26"],[[56.227],[56.578],[60.023],[62.623],[61.058],[61.494],[59.351],[57.725],[56.748],[54.042],[50.265],[46.144],[45.369],[50.086],[54.337],[54.371],[47.345],[58.529],[67.335],[80.292],[86.752],[90.022],[91.007],[93.366],[86.655],[76.916],[68.808],[65.52],[68.351],[69.399],[74.52],[75.392],[84.632],[87.078],[86.492],[86.507],[91.416],[98.454],[106.63],[103.028],[97.648]],[[35.943],[34.553],[35.619],[37.462],[38.169],[39.637],[38.929],[38.703],[38.958],[37.095],[34.993],[32.51],[32.443],[35.583],[39.184],[39.622],[35.162],[44.243],[51.271],[60.215],[62.874],[62.353],[60.516],[60.678],[57.128],[51.471],[45.694],[43.213],[45.222],[44.919],[48.013],[47.254],[52.973],[53.545],[54.131],[53.736],[57.086],[58.555],[63.939],[61.705],[60.527]],[[20.284],[22.025],[24.404],[25.161],[22.889],[21.857],[20.422],[19.022],[17.79],[16.948],[15.273],[13.634],[12.926],[14.503],[15.153],[14.749],[12.183],[14.286],[16.065],[20.077],[23.879],[27.669],[30.491],[32.688],[29.527],[25.445],[23.114],[22.307],[23.129],[24.48],[26.507],[28.138],[31.659],[33.533],[32.361],[32.771],[34.33],[39.899],[42.692],[41.323],[37.121]]]

[]

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All series exclude refinancing.
Loan commitments for dwellings includes loans for the purpose of ‘Construction of new dwellings’, ‘Purchase of new dwellings’ and ‘Purchase of existing dwellings’. 'Residential land' and 'Alterations and additions' are available as separate series.

Media notes

All figures are seasonally adjusted unless noted otherwise.
Lending Indicators reverted to concurrent seasonal adjustment in the October 2022 release. This method of seasonal adjustment will result in revisions to historical data each quarter. For more information, see the methodology page
For any media requests, email media@abs.gov.au or call 1300 175 070 (9am-5pm Canberra time) with your questions and deadline.
Please attribute the 'Australian Bureau of Statistics (ABS)' when using our data.
Explore our Data Crash Course for guidance on finding and interpreting ABS data, and subscribe to our release notifications to stay updated.
Information on how the ABS will release market sensitive releases during a website or API outage.

APA

Citation

New home loans fall 5.4 per cent in June quarter

APA

Citation

Investor loans drive the fall in new home loans

Owner occupier loans fall through the year

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