Housing loan commitments continue record run

Media Release

Released

1/03/2021

Source

Lending indicators, January 2021

New loan commitments for housing rose 10.5 per cent to $28.8 billion in January 2021 (seasonally adjusted), reaching another record high, according to Australian Bureau of Statistics (ABS) figures released today.

ABS head of Finance and Wealth, Katherine Keenan, said: “In January 2021, the value of new loan commitments for owner occupier housing was 52.3 per cent higher than in January 2020. The value of new loan commitments for existing dwellings was 38.7 per cent higher and the value for construction loan commitments was 141.0 per cent higher.”

“Since the HomeBuilder grant was introduced in June 2020, there have been record rises in the value of construction loan commitments. Loan applications made late in 2020 (prior to the reduction of the HomeBuilder grant on 1 January 2021), contributed to the strong rise in January’s construction loan commitments of 15.7 per cent.”

New loan commitments for owner occupier housing by purpose (seasonally adjusted), values, Australia
	Construction of dwellings	Purchase of newly erected dwellings	Purchase of existing dwellings	Alterations, additions and repairs	Purchase of residential land (a)
Jan-03	0.694	0.262	5.344	0.361	0.364
Feb-03	0.762	0.258	5.298	0.347	0.349
Mar-03	0.715	0.273	5.244	0.332	0.364
Apr-03	0.745	0.276	5.517	0.338	0.367
May-03	0.75	0.292	5.605	0.346	0.369
Jun-03	0.768	0.305	5.789	0.376	0.379
Jul-03	0.8	0.319	5.881	0.386	0.422
Aug-03	0.783	0.293	6.044	0.456	0.411
Sep-03	0.82	0.344	6.021	0.427	0.409
Oct-03	0.829	0.402	5.925	0.427	0.466
Nov-03	0.859	0.407	5.738	0.42	0.432
Dec-03	0.82	0.39	5.433	0.405	0.413
Jan-04	0.785	0.337	5.109	0.371	0.396
Feb-04	0.769	0.385	5.133	0.409	0.376
Mar-04	0.772	0.357	5.239	0.416	0.387
Apr-04	0.786	0.378	5.279	0.397	0.4
May-04	0.799	0.343	5.321	0.385	0.422
Jun-04	0.768	0.371	5.318	0.379	0.421
Jul-04	0.784	0.373	5.376	0.365	0.421
Aug-04	0.78	0.385	5.43	0.367	0.435
Sep-04	0.775	0.39	5.471	0.358	0.426
Oct-04	0.78	0.385	5.512	0.322	0.43
Nov-04	0.788	0.395	5.722	0.349	0.428
Dec-04	0.788	0.404	5.938	0.338	0.434
Jan-05	0.802	0.422	6.115	0.334	0.434
Feb-05	0.814	0.41	6.491	0.35	0.426
Mar-05	0.843	0.431	6.226	0.353	0.382
Apr-05	0.814	0.432	6.099	0.353	0.448
May-05	0.818	0.452	5.914	0.35	0.443
Jun-05	0.807	0.432	6.144	0.342	0.43
Jul-05	0.808	0.46	6.064	0.342	0.406
Aug-05	0.806	0.47	6.247	0.321	0.434
Sep-05	0.814	0.504	6.53	0.33	0.457
Oct-05	0.816	0.532	6.605	0.327	0.453
Nov-05	0.811	0.516	6.747	0.321	0.462
Dec-05	0.836	0.546	6.726	0.33	0.465
Jan-06	0.856	0.534	6.763	0.331	0.482
Feb-06	0.865	0.581	6.904	0.322	0.504
Mar-06	0.848	0.593	7.027	0.335	0.495
Apr-06	0.85	0.614	6.989	0.336	0.47
May-06	0.857	0.648	7.329	0.347	0.462
Jun-06	0.896	0.617	7.184	0.346	0.471
Jul-06	0.952	0.606	7.384	0.361	0.466
Aug-06	0.937	0.576	7.184	0.353	0.468
Sep-06	0.904	0.555	6.922	0.326	0.47
Oct-06	0.915	0.575	6.991	0.336	0.474
Nov-06	0.92	0.575	6.937	0.333	0.463
Dec-06	0.915	0.534	7.137	0.339	0.502
Jan-07	0.932	0.61	7.154	0.333	0.515
Feb-07	0.909	0.637	7.383	0.324	0.513
Mar-07	0.924	0.679	7.633	0.32	0.512
Apr-07	0.931	0.633	7.907	0.332	0.519
May-07	0.936	0.674	8.169	0.33	0.539
Jun-07	0.99	0.762	8.697	0.332	0.574
Jul-07	0.957	0.692	8.237	0.315	0.568
Aug-07	0.998	0.699	8.379	0.337	0.606
Sep-07	1.027	0.655	7.981	0.312	0.539
Oct-07	1.05	0.57	8.199	0.318	0.602
Nov-07	0.987	0.542	8.215	0.318	0.591
Dec-07	0.992	0.5	8.011	0.303	0.565
Jan-08	0.999	0.489	8.337	0.349	0.632
Feb-08	1.002	0.478	7.546	0.328	0.526
Mar-08	0.995	0.402	6.979	0.295	0.467
Apr-08	0.962	0.395	6.59	0.296	0.503
May-08	0.921	0.365	6.209	0.288	0.385
Jun-08	0.888	0.421	6.137	0.289	0.465
Jul-08	0.873	0.387	6.13	0.291	0.456
Aug-08	0.84	0.353	6.075	0.282	0.429
Sep-08	0.833	0.399	6.24	0.332	0.43
Oct-08	0.861	0.428	6.482	0.334	0.434
Nov-08	0.838	0.478	6.446	0.352	0.491
Dec-08	0.916	0.5	7.05	0.348	0.522
Jan-09	1.011	0.552	7.731	0.375	0.565
Feb-09	1.055	0.586	8.143	0.383	0.618
Mar-09	1.188	0.644	9.052	0.389	0.687
Apr-09	1.307	0.632	8.932	0.382	0.704
May-09	1.346	0.617	8.777	0.38	0.702
Jun-09	1.369	0.604	8.928	0.364	0.696
Jul-09	1.38	0.601	8.682	0.363	0.705
Aug-09	1.405	0.635	8.534	0.346	0.724
Sep-09	1.505	0.647	8.938	0.339	0.746
Oct-09	1.675	0.613	8.424	0.33	0.779
Nov-09	1.542	0.578	7.986	0.315	0.671
Dec-09	1.455	0.583	7.673	0.301	0.604
Jan-10	1.402	0.522	7.329	0.29	0.582
Feb-10	1.362	0.542	7.023	0.292	0.577
Mar-10	1.269	0.546	6.92	0.286	0.551
Apr-10	1.185	0.56	6.799	0.284	0.53
May-10	1.138	0.565	6.941	0.28	0.51
Jun-10	1.087	0.57	6.683	0.27	0.521
Jul-10	1.107	0.587	6.778	0.271	0.548
Aug-10	1.123	0.541	6.782	0.269	0.518
Sep-10	1.103	0.567	6.686	0.272	0.511
Oct-10	1.099	0.611	6.662	0.29	0.515
Nov-10	1.162	0.706	6.676	0.272	0.507
Dec-10	1.133	0.6	6.845	0.274	0.572
Jan-11	1.055	0.592	6.636	0.241	0.495
Feb-11	1.084	0.507	6.588	0.257	0.438
Mar-11	1.053	0.522	6.529	0.268	0.454
Apr-11	1.087	0.554	6.639	0.261	0.467
May-11	1.171	0.613	6.527	0.266	0.502
Jun-11	1.081	0.588	6.598	0.275	0.554
Jul-11	1.086	0.593	6.625	0.26	0.474
Aug-11	1.057	0.615	6.598	0.277	0.481
Sep-11	1.082	0.576	6.378	0.268	0.479
Oct-11	1.048	0.565	6.531	0.242	0.482
Nov-11	1.082	0.591	6.583	0.256	0.469
Dec-11	1.068	0.622	6.947	0.25	0.514
Jan-12	1.087	0.624	6.934	0.271	0.481
Feb-12	1.133	0.547	6.265	0.247	0.486
Mar-12	1.095	0.584	6.323	0.244	0.458
Apr-12	1.114	0.636	6.432	0.244	0.499
May-12	1.151	0.577	6.617	0.24	0.519
Jun-12	1.182	0.586	6.674	0.24	0.567
Jul-12	1.196	0.551	6.779	0.243	0.502
Aug-12	1.172	0.56	6.956	0.241	0.497
Sep-12	1.129	0.591	7.035	0.242	0.497
Oct-12	1.117	0.577	6.916	0.248	0.521
Nov-12	1.117	0.546	7.035	0.243	0.519
Dec-12	1.163	0.53	7.063	0.249	0.528
Jan-13	1.145	0.568	7.279	0.236	0.578
Feb-13	1.171	0.529	7.383	0.242	0.558
Mar-13	1.267	0.574	7.653	0.249	0.601
Apr-13	1.251	0.548	7.649	0.239	0.615
May-13	1.228	0.564	7.763	0.245	0.605
Jun-13	1.261	0.488	7.897	0.24	0.6
Jul-13	1.228	0.553	7.899	0.239	0.578
Aug-13	1.264	0.548	7.568	0.243	0.611
Sep-13	1.291	0.536	8.045	0.241	0.626
Oct-13	1.307	0.566	8.146	0.235	0.638
Nov-13	1.343	0.653	8.332	0.239	0.668
Dec-13	1.314	0.584	8.146	0.245	0.658
Jan-14	1.419	0.571	8.262	0.243	0.676
Feb-14	1.453	0.602	8.446	0.253	0.704
Mar-14	1.493	0.593	8.384	0.239	0.678
Apr-14	1.476	0.578	8.384	0.242	0.644
May-14	1.497	0.587	8.248	0.248	0.627
Jun-14	1.492	0.64	8.358	0.24	0.649
Jul-14	1.473	0.627	8.279	0.245	0.653
Aug-14	1.428	0.64	8.03	0.235	0.622
Sep-14	1.484	0.622	8.125	0.236	0.629
Oct-14	1.538	0.628	8.303	0.244	0.677
Nov-14	1.459	0.646	8.069	0.238	0.632
Dec-14	1.459	0.606	8.506	0.222	0.569
Jan-15	1.474	0.602	8.678	0.252	0.567
Feb-15	1.436	0.687	8.383	0.245	0.554
Mar-15	1.465	0.701	8.78	0.256	0.532
Apr-15	1.514	0.719	8.788	0.264	0.549
May-15	1.397	0.676	8.227	0.254	0.529
Jun-15	1.376	0.72	9.023	0.275	0.569
Jul-15	1.345	0.8	9.253	0.266	0.594
Aug-15	1.399	0.797	10.136	0.276	0.613
Sep-15	1.444	0.932	10.289	0.265	0.602
Oct-15	1.439	0.851	9.99	0.264	0.582
Nov-15	1.487	0.834	9.891	0.272	0.581
Dec-15	1.5	0.9	9.686	0.27	0.601
Jan-16	1.484	0.892	9.38	0.257	0.539
Feb-16	1.441	0.858	9.501	0.272	0.627
Mar-16	1.443	0.848	9.261	0.277	0.659
Apr-16	1.453	0.888	9.464	0.281	0.673
May-16	1.479	0.882	9.405	0.266	0.662
Jun-16	1.438	0.906	9.442	0.269	0.628
Jul-16	1.422	0.848	9.195	0.276	0.643
Aug-16	1.496	0.862	8.986	0.268	0.63
Sep-16	1.49	0.867	9.157	0.276	0.635
Oct-16	1.499	0.887	9.296	0.263	0.631
Nov-16	1.489	0.919	9.431	0.271	0.652
Dec-16	1.526	0.927	9.736	0.267	0.706
Jan-17	1.492	0.96	9.896	0.278	0.677
Feb-17	1.489	0.87	9.832	0.278	0.721
Mar-17	1.528	1.033	10.192	0.282	0.741
Apr-17	1.598	0.951	10.016	0.282	0.726
May-17	1.622	1.006	10.143	0.303	0.879
Jun-17	1.648	1.015	10.149	0.284	0.786
Jul-17	1.745	1.041	10.39	0.259	0.777
Aug-17	1.699	1.051	10.678	0.295	0.783
Sep-17	1.635	1.078	10.429	0.316	0.812
Oct-17	1.646	1.062	10.19	0.297	0.819
Nov-17	1.668	1.025	10.423	0.284	0.797
Dec-17	1.644	1.044	10.354	0.279	0.799
Jan-18	1.742	1.043	10.372	0.275	0.864
Feb-18	1.58	1.116	10.431	0.243	0.788
Mar-18	1.562	1.092	10.279	0.24	0.783
Apr-18	1.491	1.063	10.255	0.231	0.781
May-18	1.542	1.075	10.441	0.234	0.805
Jun-18	1.633	1.023	10.199	0.226	0.848
Jul-18	1.708	1.015	10.157	0.215	0.801
Aug-18	1.552	0.955	9.743	0.212	0.78
Sep-18	1.452	0.926	9.618	0.208	0.717
Oct-18	1.54	0.913	9.61	0.204	0.717
Nov-18	1.509	0.895	9.155	0.207	0.696
Dec-18	1.439	0.85	8.684	0.25	0.73
Jan-19	1.454	0.814	8.691	0.182	0.762
Feb-19	1.525	0.795	8.962	0.209	0.609
Mar-19	1.503	0.77	8.729	0.205	0.541
Apr-19	1.421	0.822	8.767	0.203	0.613
May-19	1.456	0.81	8.312	0.202	0.603
Jun-19	1.433	0.758	8.86	0.205	0.637
Jul-19	1.43	0.862	8.971	0.21	0.622
Aug-19	1.424	0.97	9.331	0.208	0.662
Sep-19	1.477	1.009	9.524	0.209	0.681
Oct-19	1.535	0.998	9.772	0.243	0.707
Nov-19	1.548	1.096	10.372	0.203	0.744
Dec-19	1.608	1.098	10.697	0.208	0.743
Jan-20	1.69	1.092	10.774	0.202	0.759
Feb-20	1.715	1.052	10.213	0.211	0.791
Mar-20	1.626	1.095	10.716	0.201	0.797
Apr-20	1.68	1.115	9.945	0.216	0.747
May-20	1.66	1.064	8.656	0.22	0.644
Jun-20	1.583	1.028	9.353	0.227	0.759
Jul-20	1.72	1.126	10.225	0.224	1.035
Aug-20	2.05	1.17	11.536	0.21	1.31
Sep-20	2.568	1.186	11.909	0.222	1.374
Oct-20	2.848	1.186	11.742	0.27	1.343
Nov-20	3.008	1.287	12.439	0.268	1.341
Dec-20	3.522	1.429	13.288	0.297	1.401
Jan-21	4.074	1.464	14.948	0.298	1.329

New loan commitments for owner occupier housing by purpose (seasonally adjusted), values, Australia

["","Construction of dwellings","Purchase of newly erected dwellings","Purchase of existing dwellings","Alterations, additions and repairs","Purchase of residential land (a)"]

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Owner occupier first home buyer loan commitments

In January 2021, the number of owner occupier first home buyer loan commitments rose 9.6 per cent, reaching the highest level since May 2009 (16,664, seasonally adjusted), when similar rapid growth was spurred by the temporary tripling of the first home owner grant in response to the global financial crisis. Compared to January 2020, there was a 70.8 per cent rise in owner occupier first home buyer loan commitments.

States and territories

The value of owner occupier home loan commitments rose across all states and territories and, with the exception of the Northern Territory, reached record high levels.

Loan commitments for investor housing and personal finance

The value of loan commitments for investor housing rose 9.4 per cent, the largest rise since September 2016, to reach $6.6 billion.

“Investor lending has rebounded 62.4 per cent since reaching a 20 year low in activity in May 2020.”, Ms Keenan said.

The value of new loan commitments for fixed term personal finance rose 0.2 per cent in January (seasonally adjusted).

More information is available in Lending Indicators, Australia

Media notes

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