Quarterly authorised deposit-taking institution property exposure statistics highlights - June 2025

Banking

Key statistics 1

 

Key residential mortgage lending statistics for ADIs for the quarter were:

ADIs' residential property exposures

June 2024

  June 2025

Year-on-year change

Total credit outstanding ($bn)

2,262.1

2,391.8

5.7%

Owner-occupied loans - share

67.8%

67.5%

-0.25 points

Investment loans - share

30.3%

30.5%

0.22 points

Loans with loan-to-valuation ratio (LVR) ≥ 80 per cent - share

17.6%

16.9%

-0.73 points

Loans 30-89 days past due - share

0.66%

0.55%

-0.11 points

Non-performing loans

1.04%

1.07%

0.04 points

ADIs’ new loans funded during the quarter

June 2024

June 2025

Year-on-year change

New loans funded ($bn)

161.5

187.6

16.2%

New owner-occupied loans funded - share

63.3%

63.6%

0.26 points

New investment loans funded - share

34.5%

34.1%

-0.42 points

New loans with LVR ≥ 80 per cent funded - share

31.9%

30.4%

-1.47 points

New loans with debt-to-income (DTI) ratio ≥ 6x funded - share

5.0%

5.5%

0.48 points

Key commercial property statistics for ADIs for the quarter were:

 

June 2024

June 2025

Year-on-year change

Commercial property exposure limits ($bn)

457.8

498.9

9.0%

Commercial property exposures ($bn)

424.1

464.1

9.4%

Residential mortgages: new lending

A graph of a graph showing the New Loans funded , including external refinancing($b).
A graph of a line graph of Year-on year changes on new housing loans.
A graph of a line graph year on year changes on new loans funded including external refinancing (%)
A graph of external refinancing as a share of total new loans (%)
A graph showing a share of new housing loans with debt-to -income ratio>= 6 times
A graph showing share of new owner-occupied and investment loans.
New interest -only lendings as a share to total new housing loans.
Exceptions to serviceability and serviceability waiver as portion of total new loans(%)

Residential mortgages: outstanding credit

Year - on -year growth in housing credit outstanding (%)
Line graph showing the offset accounts as a portion of total credit outstanding(%)
A graph of a Arrears as a portion of total hosing credit outstanding (%)
Share of non -performance loans as a portion of total housing credit outstanding , by purpose (%)
Non- Performance loan with high loan to valuation ration(LVR)(%)

Commercial real estate

Year-on- year growth in commercial property exposure limits(%)
Year -on year growth in commercial property exposures(%)
A graph of growth in commercial property exposure
This line chart shows non-performing commercial property exposures as a portion of total commercial property exposures (%) over a five-year period. Data prior to March 2022 are not available

 

 

Footnotes

    The Australian Prudential Regulation Authority (APRA) is the prudential regulator of the financial services industry. It oversees banks, mutuals, general insurance and reinsurance companies, life insurance, private health insurers, friendly societies, and most members of the superannuation industry. APRA currently supervises institutions holding around $10.6 trillion in assets for Australian depositors, policyholders and superannuation fund members.