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Commonwealth Bank Highlights Concerns Over Surging Home Loan Demand

Assessing the Impact of Increased Borrowing on Australia's Housing Market

Commonwealth Bank Highlights Concerns Over Surging Home Loan Demand?w=400

The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.

The Commonwealth Bank of Australia (CBA), the nation's largest lender, has raised concerns about the current high demand for home loans, which is contributing to escalating property prices.
CEO Matt Comyn acknowledged that while the bank has benefited from the surge in housing credit, such high levels are unsustainable and could undermine long-term financial stability, housing equality, and market accessibility.
He suggested that a more moderate pace of credit growth would be beneficial.

Data from the Australian Bureau of Statistics revealed a 6.4% increase in new housing loan commitments in the third quarter compared to the previous quarter. This rising credit growth, particularly from investors, has been driven by low interest rates. CBA led the expansion in mortgage lending with a 6% increase to A$664.7 billion in the financial year ending June 30, 2025, while other banks saw around 5% growth. However, Comyn anticipates demand may ease due to expectations that interest rates will remain at 3.6% through 2026, as inflation remains elevated.

For potential homebuyers and existing mortgage holders, this development underscores the importance of prudent financial planning. It's advisable to assess one's financial capacity thoroughly and consider the long-term implications of taking on substantial debt, especially in a market where property prices are rising rapidly. Consulting with financial advisors can provide tailored strategies to manage debt effectively and ensure financial stability.

Published:Friday, 12th Dec 2025
Source: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

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