Investor credit growth accelerates a bit

Credit growth speeds up

Housing credit growth picked up a bit from 0.50 per cent to 0.54 per in June.

This was largely driven by investor credit growth rising to 0.62 per cent for the month - and 6.2 per cent over the financial year - as investors note the chronic shortage of housing and the prospect for further increases in prices and rents.

Total housing credit growth has thus accelerated a little of late, to be up 5.9 per cent over the 2025 financial year. 

Looking ahead, the housing credit impulse points to a steady strengthening of house price growth from here, and probably all the more so as interest rates fall. 

Business credit growth eased to 0.5 per cent in June, but was up 9 per cent across financial year 2025, in turn driving total credit growth in the economy of 6.8 per cent.

Looking ahead, lower interest rates will bring more buyers into the housing market due to the housing shortage. 

In fact, these figures show that it's already happening. 

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