澳大利亚购房者正面临更加严格的借贷条件。尽管房价可能出现小幅下跌，但银行因利率上升和生活成本增加而提高了贷款审批标准。Commonwealth Bank报告称自5月预算以来新抵押贷款申请下降了15%[1]。
今年三次利率上升已使典型借贷能力削减约7%[1]，对首次购房者和投资者的批贷额度产生明显影响。一名投资者的借贷额度从1月的90万澳元下降至当前的70万澳元[1]。业内专业人士指出，申请人现在必须"申报一切"[1]。Whale Finance董事Andrew Wheatley表示，"我最近从首次购房者听到最多的不是'我能借更多吗？'而是'我担心我无法承担还款'"[1]。
投资住房贷款需求前景同样承压。Westpac预测投资住房信贷需求增长将从FY2026的9.1%下降至FY2028的4.4%[1]。
Australian homebuyers are encountering stricter borrowing conditions despite falling property prices, as banks have tightened lending standards in response to rising interest rates and increased living costs.[1] Commonwealth Bank has reported a 15% decline in new mortgage applications since the May budget.[1] The Reserve Bank held the cash rate steady at 4.35% this week.[1]
Three consecutive interest rate increases have reduced borrowing capacity by approximately 7% for typical applicants.[1] A single investor saw their borrowing limit drop from 900,000 Australian dollars in January to 700,000 dollars today.[1] Westpac has forecast that investment housing credit demand growth will fall significantly, declining from 9.1% in fiscal year 2026 to 4.4% in fiscal year 2028.[1]
Industry professionals emphasize that applicants now face heightened scrutiny of living expenses. Matthew Mohl, a high-net-worth specialist at Alcove Private, stated that applicants must "declare everything."[1] Andrew Wheatley, a director at Whale Finance, observed that the most common concern from first-time buyers is not "can I borrow more?" but rather "I'm worried I can't afford the repayments."[1] Finspo CEO Angus Gilfillan noted that while property prices may decline 1–2%, this would be modest compared to the substantial growth of the previous three to four years.[1]