Mortgage Serviceability | 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

The Inflation Stalemate: Deconstructing the RBA’s “Higher for Longer” Base Case

National Insight

The Inflation Stalemate: Deconstructing the RBA’s “Higher for Longer” Base Case

With annual headline inflation falling but core services inflation remaining stubbornly high at ~3.7%-3.9%, the RBA is trapped in an inflation stalemate. This APN Strategic Briefing deconstructs why the market consensus for a rate cut has been pushed out to...

Sunday October 19, 2025

The Affordability Ceiling: Deconstructing the Structural Constraint on Australian Property

Residential Market Insight

The Affordability Ceiling: Deconstructing the Structural Constraint on Australian Property

With mortgage serviceability hitting 50.5% of median gross income, Australia's affordability crisis has become the primary cap on price growth. This APN Strategic Briefing deconstructs the new data, revealing a two-speed market where capital is being funnelled from a capped...

Sunday October 19, 2025

Tag: Mortgage Serviceability

The Serviceability Buffer: Three Settings Since 2014

The Inflation Stalemate: Deconstructing the RBA’s “Higher for Longer” Base Case

The Affordability Ceiling: Deconstructing the Structural Constraint on Australian Property

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