[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-1-en-105":3,"doc-seo-565117-105":53,"doc-detail-565117-en":127},{"code":4,"msg":5,"data":6},0,"success",[7,14,19,24,29,34,39,44,49],{"id":8,"doc_module":9,"doc_module_name":10,"category_name":11,"show_sort_weight":12,"slug":13},11,1,"Template","Presentations",90,"presentations",{"id":15,"doc_module":9,"doc_module_name":10,"category_name":16,"show_sort_weight":17,"slug":18},12,"Resumes",80,"resumes",{"id":20,"doc_module":9,"doc_module_name":10,"category_name":21,"show_sort_weight":22,"slug":23},14,"Invoices",70,"invoices",{"id":25,"doc_module":9,"doc_module_name":10,"category_name":26,"show_sort_weight":27,"slug":28},15,"Posters",60,"posters",{"id":30,"doc_module":9,"doc_module_name":10,"category_name":31,"show_sort_weight":32,"slug":33},16,"Social Media",50,"social-media",{"id":35,"doc_module":9,"doc_module_name":10,"category_name":36,"show_sort_weight":37,"slug":38},17,"Forms",40,"forms",{"id":40,"doc_module":9,"doc_module_name":10,"category_name":41,"show_sort_weight":42,"slug":43},18,"Letters",30,"letters",{"id":45,"doc_module":9,"doc_module_name":10,"category_name":46,"show_sort_weight":47,"slug":48},21,"Paper Templates",5,"papers-templates",{"id":50,"doc_module":9,"doc_module_name":10,"category_name":51,"show_sort_weight":4,"slug":52},158,"General","general-158",{"code":4,"msg":54,"data":55},"ok",{"site_id":56,"language":57,"slug":58,"title":59,"keywords":60,"description":61,"schema_data":62,"social_meta":120,"head_meta":122,"extra_data":124,"updated_unix":126},105,"en","quarterly-authorised-deposit-taking-institution-property-exposure-statistics-highlights-june-2022","Quarterly authorised deposit-taking institution property exposure statistics - Highlights June 2022","","Quarterly highlights summarizing property exposure statistics for authorised deposit-taking institutions in Australia for June 2022 (released 6 September 2022). The report tracks residential mortgages, including new lending volumes and composition by loan-to-valuation ratios (LVR), debt-to-income (DTI), exceptions, and waivers. It also covers credit outstanding growth, shifts in LVR distribution, and interest-only lending trends. Asset quality is assessed through non-performing loan ratios, with key definitions updated under prudential standard APS 220.",{"@graph":63,"@context":119},[64,80,102],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":51,"@type":70,"position":76},"https://docshare.wps.com/template/general/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/quarterly-authorised-deposit-taking-institution-property-exposure-statistics-highlights-june-2022/565117/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/quarterly-authorised-deposit-taking-institution-property-exposure-statistics-highlights-june-2022/565117.png","ImageObject",442,249,{"name":88,"@type":89},"Cart","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-11-01","2026-10-12",true,{"@type":98,"interactionType":99,"userInteractionCount":101},"InteractionCounter",{"@type":100},"ViewAction",8,{"@type":103,"mainEntity":104},"FAQPage",[105,111,115],{"name":106,"@type":107,"acceptedAnswer":108},"What changed in new residential mortgage lending during the June 2022 quarter?","Question",{"text":109,"@type":110},"New residential mortgage lending funded remained high, with overall new loans up 2.4% versus June 2021. The increase was driven by higher investment lending, while owner-occupied loans declined; lending at high LVR and high DTI levels continued to fall.","Answer",{"name":112,"@type":107,"acceptedAnswer":113},"How did credit outstanding evolve in June 2022?",{"text":114,"@type":110},"Total residential mortgage credit outstanding grew 7.3% year over year. Growth reflected increases in both owner-occupied and investor credit, while the share of loans with LVRs at or above 80% declined and interest-only loans continued a downward trend.",{"name":116,"@type":107,"acceptedAnswer":117},"How did asset quality indicators perform, and what definition change matters?",{"text":118,"@type":110},"Overall asset quality improved, with non-performing loan shares declining in June 2022 versus March 2022. The report also notes that the definition of “non-performing” changed from January 2022 due to implementation of APS 220 Credit Risk Management, affecting comparability across quarters.","https://schema.org",{"og:url":78,"og:type":121,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":123,"canonical":78},"index,follow",{"doc_id":125,"site_id":56},565117,1792107807,{"code":4,"msg":5,"data":128},{"doc_id":125,"user_id":129,"nickname":88,"user_avatar":130,"doc_module":9,"category_id":50,"category_name":51,"doc_title":59,"doc_description":61,"doc_content":131,"file_id":132,"file_url":133,"file_type":134,"file_size":135,"view_count":101,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":20,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":140,"read_time":47},18829141979164,"https://eur-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8","STATISTICS  \nQuarterly authorised deposit-taking institution property exposure statisticshighlights  \nJune 2022 (released 6 September 2022)  \nDisclaimer and Copyright  \nWhile APRA endeavours to ensure the quality of this publication, it does not accept any responsibility for the accuracy, completeness or currency of the material included in this publication and will not be liable for any loss or damage arising out of any use of, or reliance on, this publication.  \n© Australian Prudential Regulation Authority (APRA)  \nThis work is licensed under the Creative Commons Attribution 3.0 Australia Licence (CCBY 3 . 0) . This licence allows you to copy, distribute and adapt this work, provided you attribute the work and do not suggest that APRA endorses you or your work. To view a full copy of the terms of this licence, visit [https://creativecommons.org/licenses/by/3.0/au/](https://creativecommons.org/licenses/by/3.0/au/)  \nContents  \nResidential mortgages 3  \nNew lending 4  \nCredit outstanding 7  \nAsset quality 8  \nOther residential mortgage indicators 11  \nCommercial real estate 13  \nResidential mortgages  \nNew lending  \n• New residential mortgage lending activity remains high, with new loans funded in the June 2022 quarter increasing by 2.4 per cent compared to the June 2021 quarter. The increase was driven by a 13.9 per cent increase in investment lending , while new owner-occupied loans funded saw a 2.6 per cent decline over the same period (Chart 1) .  \n• New lending at higher loan-to-valuation ratios (LVRs) remained low in the June 2022 quarter, continuing its declining trend. The share of new lending at LVRs greater than or equal to 90 per cent decreased to 6.4 per cent in the June 2022 quarter, from 7.3 per cent in the March 2022 quarter. The share of new lending at LVRs greater than or equal to 80 per cent declined to 32.1 per cent in the June 2022 quarter, from 34.4 per cent in the March 2022 quarter (Chart 2) .  \nChart 1: New residential mortgage loans funded  \nChart 2 : New residential mortgage term loans funded by LVR  \n• The proportion of new residential mortgage loans with a high debt-to-income (DTI) ratio ( DTI greater than or equal to 6 times) remains elevated but has started to trend down. High DTI lending fell to 22.1 per cent of new lending in the June 2022 quarter , from 23.1 per cent in the March 2022 quarter (Chart 3) .  \n• The decline follows the move to a rising interest rate environment , the increase to the serviceability assessment buffer and lending policy changes within banks. High DTI lending remains above historical levels but is expected to continue to decline.  \n• The share of new residential mortgage loans approved as exceptions to serviceability policy fell to 3.1 per cent in the June 2022 quarter , from 3.2 per cent in the March 2022 quarter. The share of loans approved with serviceability verification waivers fell to 2.1 per cent in the June 2022 quarter, from 2.3 per cent in the March 2022 quarter (Chart 4) .  \nChart 3: Debt to income, share of new residential mortgage term loans funded  \nChart 4: Exceptions and waivers, share of new residential mortgage loans funded  \nCredit outstanding  \n• Total residential mortgage credit outstanding continued to grow in the June 2022 quarter , increasing by 7.3 per cent compared to the June 2021 quarter. This growth was driven by an 8.8 per cent increase in owner-occupied credit and a 6.5 per cent increase in investor credit.  \n• The share of residential mortgages outstanding with LVRs greater than or equal to 80 per cent declined to 17.8 per cent in the June 2022 quarter , from 18.5 per cent in the March 2022 quarter ( Chart 5) .  \n• Interest-only loans as a share of outstanding loans declined to 11.1 per cent in the June 2022 quarter from 11.3 per cent in the March 2022 quarter , continuing its declining trend (Chart 6) .  \nChart 5 : Term loans credit outstanding – LVR breakdown  \nChart 6 : Interest-only residential mortgage term loans  \nAsset quality  \n•","cbCaiaXQ2ecJV8bM","https://ap.wps.com/l/cbCaiaXQ2ecJV8bM","pdf",558058,"English","# Residential mortgages\n## New lending\n## Credit outstanding\n## Asset quality","[{\"question\":\"What changed in new residential mortgage lending during the June 2022 quarter?\",\"answer\":\"New residential mortgage lending funded remained high, with overall new loans up 2.4% versus June 2021. The increase was driven by higher investment lending, while owner-occupied loans declined; lending at high LVR and high DTI levels continued to fall.\"},{\"question\":\"How did credit outstanding evolve in June 2022?\",\"answer\":\"Total residential mortgage credit outstanding grew 7.3% year over year. Growth reflected increases in both owner-occupied and investor credit, while the share of loans with LVRs at or above 80% declined and interest-only loans continued a downward trend.\"},{\"question\":\"How did asset quality indicators perform, and what definition change matters?\",\"answer\":\"Overall asset quality improved, with non-performing loan shares declining in June 2022 versus March 2022. The report also notes that the definition of “non-performing” changed from January 2022 due to implementation of APS 220 Credit Risk Management, affecting comparability across quarters.\"}]","Quarterly authorised deposit-taking institution property exposure statistics - Highlights June 2022 | PDF",1791846817]