New lending commitments to households indicate borrowing activity and demand in the housing market and how these are changing over time.

Data are sourced from the Australian Bureau of Statistics (ABS) publication Lending Indicators.

A lending commitment is a firm offer to provide finance that has been accepted by the borrower, following loan approval and issuance of a contract or letter of offer.

Data relate to lending by significant lenders for housing finance, including loans for owner‑occupied and investment dwellings.

Data are presented as seasonally adjusted and trend estimates. Trend estimates were suspended during the COVID‑19 period and reinstated by the ABS from October 2022 following stabilisation of lending patterns.

From December 2024, the Lending Indicators publication shifted from monthly to quarterly reporting, which is reflected in the data presented.

See the ABS publication for more information, including data quality notes. Data for this visualisation are drawn from the Lending Indicators data downloads (tables 3, 4, 13 and 14).