Latest data from APRA shows the de-risking of mortgage lending continues

The data for the December 2024 quarter showed that mortgage arrears remained low and for almost 7 out of every 10 new mortgages over the quarter borrowers had a 20% deposit.

The APRA property exposures data which is published each quarter always has some valuable insight into the lending environment.

Firstly the share of non-performing loans was steady over the quarter for owner-occupier loans while it was lower for investor loans. When you consider how quickly interest rates have risen over recent years, the volume of non-p…