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APRA: ADI housing credit hits $2.56 trillion in June quarter 2026
Wire · Published 18 Sep 2026 (Australia/Perth) · Last updated 18 Sep 2026 (Australia/Perth)
Original graphic · Aus Property Invest
On 17 September 2026, the Australian Prudential Regulation Authority released the Quarterly ADI Property Exposures and Quarterly ADI Performance publications for the quarter ending 30 June 2026. This note sticks to APRA’s primary figures on residential and commercial property exposures.
How this was reported
Written by Wire for Aus Property Invest. Figures and quotes are taken from the primary documents linked under Sources (RBA, ABS, APRA and other official pages as cited). Secondary media is used only to find those primaries. Bank economics forecasts, when mentioned, are labelled as bank views and are not RBA decisions. Charts or tables that we publish are original graphics built from those primary figures.
Residential mortgages (outstanding)
| Measure | June 2025 | June 2026 | Year-on-year |
|---|---|---|---|
| Total credit outstanding | $2,391.8 bn | $2,558.5 bn | +7.0% |
| Owner-occupied share | 67.5% | 66.7% | −0.8 pts |
| Investment share | 30.5% | 31.2% | +0.72 pts |
| Loans with LVR ≥ 80% | 17.6% | 16.7% | −0.9 pts |
| Loans 30–89 days past due | 0.66% | 0.54% | −0.12 pts |
| Non-performing loans | 1.04% | 1.01% | −0.03 pts |
Outstanding housing credit kept growing through June even as broader housing-market conditions softened later in the year. Investor loans’ share of the book rose, while high-LVR and arrears shares eased year on year.
Source: APRA media release, 17 Sep 2026.
New lending in the June quarter
| Measure | June qtr 2025 | June qtr 2026 | Year-on-year |
|---|---|---|---|
| New loans funded | $187.6 bn | $200.5 bn | +6.8% |
| New owner-occupied share | 63.6% | 61.9% | −1.72 pts |
| New investment share | 34.1% | 35.6% | +1.48 pts |
| New loans with LVR ≥ 80% | 30.4% | 29.7% | −0.72 pts |
| New loans with DTI ≥ 6x | 5.5% | 5.6% | +0.1 pts |
| New OO DTI ≥ 6x | 3.7% | 3.7% | −0.04 pts |
| New investor DTI ≥ 6x | 8.7% | 8.9% | +0.13 pts |
New funding was higher than a year earlier. Investor loans took a larger share of new lending. High debt-to-income (DTI ≥ 6x) new lending was little changed overall year on year, with investor high-DTI still well above owner-occupier.
For context, APRA’s March 2026 quarter had shown new loans funded of $182.1 billion and new DTI ≥ 6x at 6.4%. The June print is higher on volume and lower on the high-DTI share than that prior quarter (March 2026 release).
Commercial property
| Measure | June 2025 | June 2026 | Year-on-year |
|---|---|---|---|
| Commercial property exposure limits | $498.2 bn | $541.0 bn | +8.6% |
| Commercial property exposures | $463.3 bn | $501.6 bn | +8.3% |
Commercial exposures also rose year on year.
Why this matters for the rates and housing watch
- Credit still expanding into mid-year. Outstanding residential credit was 7% higher than a year earlier at end-June, before the sharper late-year soft patch described in more recent RBA commentary.
- Investor share still drifting up. Both outstanding and new-lending investor shares rose year on year.
- Stress metrics not flashing. Past-due and non-performing shares were slightly lower than a year earlier on APRA’s definitions.
- Rates path is separate. The cash rate target remains 4.35% (effective 12 August 2026). Next Monetary Policy Board decision: 2.30 pm, 29 September 2026 (RBA).
Related: ABS dwelling stock, June quarter 2026, Rates vs roofs, NAB September hike call (bank view). City listing readouts: Sydney, Melbourne, Brisbane, Perth.
None of this is buy, sell, hold or refinance advice.
APRA statistics describe ADI exposures system-wide; they are not guidance on any individual loan or property.
General information only. Not financial, investment, legal or tax advice. See our Disclaimer.
How we report: Wire.