Loans

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The fall was driven by a decrease in new loan commitments for owner-occupiers.

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The value of new housing loan commitments declined by 3.7 per cent to $32.3 billion in February according to the latest figures from the Australian Bureau of Statistics (ABS).

Nearly every state and territory suffered a decline across both owner occupier and investor lending during the month.

“February’s fall in new housing loan commitments was driven by a 4.7 per cent fall in the value of new owner occupier loan commitments, the first since October 2021,” said ABS head of finance and wealth Katherine Keenan.

A smaller fall of 1.8 per cent was recorded for investor lending, however this was the first decline since October 2020.

While down from the record high of $33.7 billion in January, the total value of new loan commitments is still 12.6 per cent higher than February 2021.

“We expect more declines to come through this year, particularly once the RBA starts to hike rates,” commented ANZ senior economist Adelaide Timbrell.

“While housing lending declined in most states, the national number was primarily pulled down by a decline in NSW housing lending of 8.6 per cent.”

NSW saw a 10.5 per cent drop in occupier lending and a 5.5 per cent fall in investor lending compared to January.

The value of owner occupier loans fell by 23.6 per cent in the ACT, 7.6 per cent in South Australia, 7.2 per cent in the Northern Territory, 5.2 percent in Victoria and 3.0 per cent in Queensland.

Meanwhile, the value of investor loans dropped in the ACT (-11.9 per cent), South Australia (-4.8 per cent) and Queensland (-2.6 per cent), remained flat in Victoria and rose in Western Australia (6.8 per cent) and Tasmania (2.8 per cent).

Westpac senior economist Matthew Hassan said that the decline in new housing loan commitments was weaker than the 1 per cent rise expected by the market.

“With price growth flattening and buyer sentiment pointing to more turnover declines near term, there are likely to be further declines in finance approvals in coming months. Finance has almost certainly passed the peak in the cycle,” he suggested.

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2022-04-04 00:20:32" ["slug"]=> string(50) "18152:home-loan-commitments-fall-from-record-highs" ["event"]=> object(stdClass)#8480 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

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The fall was driven by a decrease in new loan commitments for owner-occupiers.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(64) "/borrow-money/loans/home-loan-commitments-fall-from-record-highs" ["image"]=> string(51) "images/article-826x550/home_loan_application_ne.jpg" ["image_alt"]=> string(9) "Home loan" } [1]=> object(stdClass)#7965 (57) { ["id"]=> int(18034) ["title"]=> string(67) "Record investor lending delivers $11bn in new home loan commitments" ["alias"]=> string(66) "record-investor-lending-delivers-11bn-in-new-home-loan-commitments" ["introtext"]=> string(97) "

High levels of investor lending drove an increase in housing lending overall last month.

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New investor housing loan commitments surged 6.1 per cent in January to a new record high of $11 billion, new data from the Australian Bureau of Statistics (ABS) has revealed.

Investor activity was strongest in the ACT during the month, where the value of new loan commitments surged 22.8 per cent, while above average increases were also recorded in Victoria (11.1 per cent) and NSW (9.8 per cent).

Meanwhile, the value of investor loans in Queensland dipped 1.7 per cent but remained at historically elevated levels, according to the ABS.

“The value of new loan commitments for investor housing has grown for 15 consecutive months, consistent with the strong housing market and growth in house prices,” said ABS head of finance and wealth Katherine Keenan.

“Despite record investor loan commitments, the share of investor lending to all new housing loan commitments was around one third. This reflects the rapid growth of owner occupier commitments over the past 18 months.”

The total value of new loan commitments during the month beat market expectations, moving 2.6 per cent higher to a record $33.7 billion on the back of the strong levels of investor activity.

Owner occupier loans rose by 1.0 per cent to $22.7 billion, with the strongest activity again seen in the ACT (33.5 per cent), NSW (3.3 per cent) and Victoria (3.2 per cent).

“While investors activity has retained strong momentum, owner occupier activity, which has driven the cycle to date, looks to be nearing a peak as key segments start to turn lower,” said Westpac senior economist Matthew Hassan.

Nationally, the average loan size for owner occupiers increased by $17,000 to another record high of $619,000 with new record highs reached in nearly every state and territory.

“The strong rise in the average loan size for owner-occupier dwellings in January was due to an increase in the value of commitments, and a largely unchanged number of new loan commitments,” said Ms Keenan.

Commonwealth Bank economists Stephen Wu and Kristina Clifton said that, while the strong increase in lending came as a surprise, the housing market was still set to peak by mid-year.

“We continue to expect housing lending to cool over 2022 as the RBA begins the process of normalising the cash rate,” they said.

“Fixed lending rates have already gone up in response to market expectations for rate hikes. And monthly dwelling price growth has also slowed.”

CoreLogic reported earlier this week that house price growth in February had eased to the slowest pace since October 2020 while prices in Sydney and Melbourne were no longer rising.

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High levels of investor lending drove an increase in housing lending overall last month.

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Surging house prices combined with limited wage growth resulted in the biggest fall for home loan affordability on record.

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The latest Home Loan Affordability Index from Bluestone Home Loans has confirmed 2021 was the worst year for home loan affordability on record, with an annual decline of 14.5 per cent.

The index, which measures the proportion of average income required to make an average home loan repayment, rose from a reading of 82 in December 2020 to 92.6 in December 2021 against the long-term average of 87, with higher scores indicating lower affordability.

“Strong home price growth over 2021 resulted in buyers borrowing more to keep pace with markets and, with subdued incomes growth and flat interest rates, this resulted in a higher proportion of buyer incomes required for loan repayments,” said Dr Andrew Wilson, consultant economist for Bluestone Home Loans.

The index recorded a quarterly rise of 1.4 per cent during December and has remained above the long-term average for seven quarters in a row.

“Although home loan activity increased sharply again over December following November’s spike in activity, the late year revival reflects a catch-up from the restrictive impact on housing markets of severe spring coronavirus lockdowns – particularly in Sydney, Melbourne and Canberra,” he said.

Australians spent $688.7 billion to purchase more than 834,000 properties in 2021, according to PEXA Insights, which also found that the number of home loans taken out during the year had soared 32.5 per cent to 617,338.

“Owner-occupier and first home buyer loan activity will likely be lower over 2022 than the record levels reported over 2021, but we expect investor activity – which remains below the average of its long-term total residential loan market share – to continue to rise,” Dr Wilson said.

House prices across Australia climbed 22.1 per cent higher in 2021, according to CoreLogic, and growth also continued in the first month of this year with a modest rise of 1.1 per cent.

However, ANZ, Westpac and NAB have all recently revised their forecasts for the property market, with predicted price rises of as little as 2 per cent in store for this year.

“Last year’s runaway increase in prices is already moderating as stricter lending conditions from financial institutions place a ceiling on borrowing capacity. This has the effect of sidelining buyers, resulting in reduced demand and lower prices growth in the year ahead,” said Dr Wilson.

“But while the home loan boom may have ended, we believe the outlook for housing markets in 2022 remains generally positive, supported by recovering local economies, the ongoing easing of COVID constraints and concerns, the resumption of high levels of migration, an underlying shortage of housing and continuing low interest rates.”

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From financing a credit card debt to deciding on a home loan, Nest Egg’s got your back! " ["secure"]=> int(0) ["page_description"]=> string(7) "nestegg" ["page_rights"]=> NULL ["robots"]=> NULL ["check_access_rights"]=> int(0) ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["displayDate"]=> string(19) "2022-02-17 23:40:08" ["slug"]=> string(63) "17984:home-loan-affordability-suffered-a-record-decline-in-2021" ["event"]=> object(stdClass)#8502 (3) { ["afterDisplayTitle"]=> string(0) "" ["beforeDisplayContent"]=> string(132) "

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Surging house prices combined with limited wage growth resulted in the biggest fall for home loan affordability on record.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(77) "/borrow-money/loans/home-loan-affordability-suffered-a-record-decline-in-2021" ["image"]=> string(51) "images/article-826x550/home_loan_application_ne.jpg" ["image_alt"]=> string(23) "Home loan affordability" } [3]=> object(stdClass)#7963 (57) { ["id"]=> int(17967) ["title"]=> string(39) "ANZ breaks free from home loan packages" ["alias"]=> string(39) "anz-breaks-free-from-home-loan-packages" ["introtext"]=> string(118) "

The bank will no longer sell its Breakfree home loan package, which led to a $25 million fine late last year.

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ANZ has announced it will no longer offer its Breakfree home loan package from next month in a change that has been pitched as responding to customer demand for greater simplicity.

The bank received a $25 million fine from ASIC in December for failing to provide fee waivers to over 580,000 customers with a Breakfree package or offset transaction accounts.

ANZ will become the first major bank to abandon its home loan package, which charges customers $395 per month to bundle their home loan with a credit card, bank account and offset account to receive a discounted interest rate along with other potential benefits.

“We are on a mission to improve the home loan experience for our customers and this is a significant change that will help us reach that goal,” said ANZ group executive Australia retail and corporate Mark Hand.

“We understand customers want more choice today about how they structure their home loans and our new approach provides that while retaining a discounted interest rate and no annual package fee.”

In its December quarter update last week, ANZ flagged a $140 million hit to its operating income due to changes to packages within its Australian retail and commercial business.

Filings released by ASIC indicate that more than 1.42 million ANZ customers had taken up over 840,000 Breakfree packages from their launch in 2003 through to September 2021.

The Breakfree package will stop being sold to new customers from 19 March, while existing Breakfree customers will continue to receive their existing benefits until 10 September.

From this date, the benefits will no longer apply, but customers will retain their current interest rate discounts when converted to ANZ’s simplified home loan offering.

ANZ will offer three simplified home loan products from March with no ongoing ANZ fees, and customers will be able to choose to add an offset account for $10 per month.

“This is really good news for our home loan customers who only want to pay for the products and features they value and choose to use,” said Mr Hand.

“We’ve been speaking to them and they want simple options with a competitive interest rate and that is what we are now providing.”

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• Yes

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The bank will no longer sell its Breakfree home loan package, which led to a $25 million fine late last year.

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string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(59) "/borrow-money/loans/anz-breaks-free-from-home-loan-packages" ["image"]=> string(44) "images/article-826x550/ANZ-new-still1-ne.jpg" ["image_alt"]=> string(3) "ANZ" } [4]=> object(stdClass)#7962 (57) { ["id"]=> int(17904) ["title"]=> string(29) "Back to school sees BNPL soar" ["alias"]=> string(29) "back-to-school-sees-bnpl-soar" ["introtext"]=> string(214) "

As kids mark their return to the classroom, Australian parents are increasingly relying on buy now, pay later services to purchase back-to-school supplies, new research has found.

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According to new research by Commonwealth Bank, Australian parents are expected to spend $2 billion on back to school shopping for their kids.

Fifty-eight per cent of these have or intend to do this by purchasing via buy now, pay later or with a credit card.

Commenting off the back of the findings, Openpay head of retail Sonia Nixon said Aussies are increasingly seeing the value in BNPL services, particularly around this time of year.

“Back to School can be an expensive time for families. This key annual event comes straight off the back of a big spending period from Christmas through holidays,” Ms Nixon explained.

The flexibility provided by BNPL will ensure its popularity going forward, according to Ms Nixon.

“Offering consumers the ability to use buy now, pay later to spread big upfront costs over time becomes very appealing. Similarly, it has huge advantage for consumers who experience bill shock from a trip to the vet, unexpected dental work, unplanned need for new car tyres or even having to purchase a wedding gift,” she said.

“Often these events hit you at the same time, so having the flexibility to spread out the total cost with no interest payment plans is a very sensible option.

“Consumers can get everything they want and need now rather than waiting, and take advantage of all the great sales around even selecting a more premium product. A smarter way to pay for consumers to start the new year.” 

 

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• Yes

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As kids mark their return to the classroom, Australian parents are increasingly relying on buy now, pay later services to purchase back-to-school supplies, new research has found.

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• Yes

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