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RBA Advises Caution in Lending Practices Amid Improved Borrower Finances

Balancing Financial Health with Responsible Lending in Australia's Economy

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

The Reserve Bank of Australia (RBA) has issued a cautionary note to financial institutions, advising them to maintain prudent lending practices despite improvements in borrower financial health.

Recent data indicates that the proportion of mortgage holders spending more than they earn has decreased to approximately 3%, down from 5% in mid-2024.

This improvement is attributed to factors such as tax cuts and easing inflation.

However, the RBA warns that further reductions in interest rates could lead to inflated house prices and a surge in borrowing, potentially introducing vulnerabilities into the housing market. The central bank emphasises the importance of sound lending standards, including serviceability buffers, to protect the market from potential risks.

Victoria has been identified as the state experiencing the most mortgage pressure, attributed to larger loans and smaller savings buffers among its residents. The RBA's review underscores the need for financial institutions to exercise caution in their lending criteria to ensure the continued stability of Australia's housing market and overall financial system.

Published:Monday, 5th Jan 2026
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

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Finance News

ANZ Secures $2 Billion Loan Guarantee to Enhance Pacific Operations

22 Feb 2026: Paige Estritori

In a strategic move to reinforce its presence in the Pacific region, ANZ has secured a $2 billion loan guarantee from the Australian government. This 10-year agreement aims to ensure the bank's continued operations across Pacific nations, countering growing regional influences. - read more

Housing Australia Future Fund Outperforms Expectations, Boosting Housing Initiatives

22 Feb 2026: Paige Estritori

The Housing Australia Future Fund (HAFF) has reported investment returns more than double its initial projections, significantly accelerating the development of social and affordable housing projects nationwide. Established by the Albanese government, the HAFF aims to address housing affordability challenges by funding essential housing initiatives. - read more

NSW Energy Security Corporation Commences with $1 Billion to Boost Energy Projects

22 Feb 2026: Paige Estritori

The New South Wales (NSW) government has launched the Energy Security Corporation (ESC) with an initial investment of $1 billion, aiming to accelerate key energy projects across the state. This initiative is designed to enhance energy reliability, affordability, and support the transition to clean energy sources. - read more

ANZ's Australia Commercial Division Sees 11% Profit Growth

14 Feb 2026: Paige Estritori

ANZ Banking Group has reported an 11% increase in profit for its Australia Commercial division over the past year. This growth is attributed to robust lending activities, particularly in the agribusiness and health sectors. - read more

APRA Implements New Cap on High Debt-to-Income Home Loans

06 Feb 2026: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market. Effective February 2026, APRA will impose a cap on high debt-to-income (DTI) home loans, limiting such loans to 20% of new home lending. This measure applies to both owner-occupiers and investors, with an exemption for new housing developments. - read more

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