APRA Serviceability Buffer | Australian Property Network™

The Serviceability Buffer: Three Settings Since 2014

APRA's minimum serviceability buffer has had three settings since 2014: 2 percentage points with a 7% floor, 2.5 points from July 2019 and 3 points from October 2021. What each setting does to the rate at which loans are tested,...

Monday September 21, 2026

Buyers’ Agent Sector Structurally Overserved Following Disproportionate Expansion and Credit Tightening

Banking & Lending Regulation Analysis

Buyers’ Agent Sector Structurally Overserved Following Disproportionate Expansion and Credit Tightening

The Australian buyers agent sector is undergoing a structural correction following a period of rapid, less-regulated expansion. APN analysis identifies that a doubling in practitioner headcount has converged with tightening credit conditions and a contracting buyer pool, creating a structurally...

Wednesday July 1, 2026

Australian Real Estate Services: Practitioner Headcount Growth Diverges from Transaction Velocity

Banking & Lending Regulation Analysis

Australian Real Estate Services: Practitioner Headcount Growth Diverges from Transaction Velocity

A structural divergence is reshaping the Australian real estate professional services sector. APN analysis identifies a material oversupply of practitioners, with record headcounts across broking and agency cohorts competing for a transaction pool that has been constrained by macroprudential credit...

Monday June 29, 2026

Tag: APRA Serviceability Buffer

The Serviceability Buffer: Three Settings Since 2014

Buyers’ Agent Sector Structurally Overserved Following Disproportionate Expansion and Credit Tightening

Australian Real Estate Services: Practitioner Headcount Growth Diverges from Transaction Velocity

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Where University Students Live: Higher Education Students by State and Suburb at the 2021 Census

Government, Catholic and Other Schools: Where School Students Go, by State and Suburb

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