Lending indicators

Latest release

Quarterly estimates of new borrower-accepted finance commitments for housing, personal and business loans

Reference period
June Quarter 2026
Released
14/08/2026
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    Lending indicators, September Quarter 2026
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    Lending indicators, December Quarter 2026
  • Next Release 12/05/2027
    Lending indicators, March Quarter 2027
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Release date and time
14/08/2026 11:30am AEST

Key statistics

In seasonally adjusted terms:

  • The total number of new loan commitments for dwellings fell 5.4% in the June quarter 2026 while the value fell 5.2%.
  • The number of new owner occupier loan commitments for dwellings fell 3.3% in the quarter while the value fell 1.9%.
  • The number of new investor loan commitments for dwellings fell 8.6% in the quarter while the value fell 10.2%.
  • The number of new owner occupier first home buyer loan commitments for dwellings fell 2.9% in the quarter while the value rose 0.2%.

Housing finance

Number of new loan commitments for dwellings (a), seasonally adjusted, Australia
 Jun Qtr 26
no.
Mar Qtr 26 to Jun Qtr 26
% change
Jun Qtr 25 to Jun Qtr 26
% change
Total loan commitments134,225-5.40.1
 Owner occupier81,626-3.3-1.6
  First home buyers29,319-2.90.0
  Non-first home buyers52,324-2.2-2.6
 Investor52,599-8.62.8

a. Dwelling commitments 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.

Value of new loan commitments for dwellings (a), seasonally adjusted, Australia
 Jun Qtr 26
$b
Mar Qtr 26 to Jun Qtr 26
% change
Jun Qtr 25 to Jun Qtr 26
% change
Total loan commitments97.6-5.26.8
 Owner occupier60.5-1.96.0
  First home buyers18.40.210.0
  Non-first home buyers41.9-3.14.4
 Investor37.1-10.28.1

a. Dwelling commitments 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.

a. 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.

a. 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.

Please note that while the series graphed above are joined between the available data points, there may be missing data points in between which are not available for publication.

Please note that while the series graphed above are joined between the available data points, there may be missing data points in between which are not available for publication.

Series commenced collection in the September quarter 2019 with the introduction of the Economic and Financial Statistics collection.

Number of refinanced loan commitments, seasonally adjusted, Australia
 Jun Qtr 26
no.
Mar Qtr 26 to Jun Qtr 26
% change
Jun Qtr 25 to Jun Qtr 26
% change
Owner occupier  
 Internal43,848-7.40.4
 External66,449-0.9-1.1
Investor  
 Internal15,331-5.614.9
 External36,597-2.35.3
Value of refinanced loan commitments, seasonally adjusted, Australia
 Jun Qtr 26
$b
Mar Qtr 26 to Jun Qtr 26
% change
Jun Qtr 25 to Jun Qtr 26
% change
Owner occupier 
 Internal24.8-8.76.4
 External41.9-2.82.8
Investor 
 Internal10.6-2.127.0
 External25.2-0.812.0

Some series only commenced collection in the September quarter 2019 with the introduction of the Economic and Financial Statistics collection.

Some series only commenced collection in the September quarter 2019 with the introduction of the Economic and Financial Statistics collection.

Personal finance

Value of new loan commitments, personal fixed term (a), seasonally adjusted, Australia
  Jun Qtr 26
$b
Mar Qtr 26 to Jun Qtr 26
% change
Jun Qtr 25 to Jun Qtr 26
% change
Personal9.7-0.97.1
 Road vehicles4.7-1.6-5.0
 Other (b)5.0-3.221.6

a. Loan commitments for personal fixed term loans exclude refinancing.

b. Loan commitments for Personal 'Other' includes 'Personal investment', 'Travel and holidays', 'Other vehicles' and 'Household goods'.

a. Any missing data points in the series above are not available for publication.

Loan commitments for Personal 'Other' includes 'Personal investment', 'Travel and holidays', 'Other vehicles' and 'Household goods'.

Business finance

Value of new loan commitments, business, seasonally adjusted, Australia
  Jun Qtr 26
$b
Mar Qtr 26 to Jun Qtr 26
% change
Jun Qtr 25 to Jun Qtr 26
% change
Business   
 Construction12.52.9-0.2
 Purchase of Property27.24.418.9

Any missing data points in the series above are not available for publication.

Important quality notes

Seasonal adjustment methods

Housing finance data quality

Data downloads

Housing Finance - Total

Data files

Housing Finance - Owner-occupiers

Data files

Housing Finance - Investors

Data files

Housing Finance - Non First Home Buyers

Table 23. Households; Housing finance; Non First home buyers; Owner occupier; By state; New loan commitments; Numbers and values

Housing Finance - First home buyers

Data files

Housing Finance - Non-residents

Table 26. Households; Housing finance; Non-residents; New loan commitments; Numbers and values

Personal Finance

Table 27. Households; Personal finance; Fixed term loans; By purpose; New loan commitments; Values

Business Finance

Data files

Data cubes

Series ID concordance mapping

Previous catalogue number

This release previously used catalogue number 5601.0.

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