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Submission - APRA's Perspective on the Residential Mortgage Lending Market

This submission provides APRA’s perspective on residential mortgage (‘housing’) lending by authorised deposit-taking institutions (ADIs) in Australia. Its purpose is to assist the House of Representatives Standing Committee on Economics in its stocktake of the Australian retail banking industry. APRA is not in a position to comment on the unregulated housing lending sector, although competition from this sector does have an impact on institutions regulated by APRA.

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