Australian
Internet Loans
For Fast, Flexible Online Loans
Australian Internet Loans :: News
SHARE

Share this news item!

Commonwealth Bank Highlights Risks of Surging Home Loan Demand

CEO Matt Comyn Advocates for Sustainable Credit Growth Amid Rising Property Prices

Commonwealth Bank Highlights Risks of 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 expressed concerns over the current surge in home loan demand, suggesting it may be contributing to escalating property prices and posing risks to long-term financial stability.
CEO Matt Comyn addressed these issues during a recent parliamentary hearing, emphasizing the need for more sustainable credit growth in the housing sector.

Comyn noted that while the bank benefits from increased housing credit, a moderated growth rate would better support financial stability and equitable access to the housing market. He highlighted that the present credit growth rates might surpass levels deemed comfortable by policymakers and regulators.

Recent data from the Australian Bureau of Statistics indicates a 6.4% rise in new loan commitments for dwellings in the third quarter of 2025. Additionally, the Reserve Bank of Australia (RBA) has observed that total housing credit growth has exceeded post-global financial crisis averages, largely driven by heightened investor activity spurred by low interest rates.

CBA has been at the forefront of this mortgage growth, expanding its mortgage portfolio by 6% to A$664.7 billion in the fiscal year ending June 30. Despite this growth, Comyn anticipates a potential cooling in housing demand, citing subdued expectations for interest rate cuts and projecting that the cash rate will likely remain at 3.6% through 2026 due to persistent inflation.

For prospective homebuyers and investors, these developments underscore the importance of staying informed about market trends and considering the implications of rapid credit growth on property prices and financial stability. Engaging with financial advisors and utilizing resources like loan comparison tools can aid in making informed decisions in this dynamic market environment.

Published:Saturday, 22nd Nov 2025
Source: Paige Estritori

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

Share this news item:

Finance News

Australian Consumer Confidence Rebounds to Optimism After Nearly Four Years
Australian Consumer Confidence Rebounds to Optimism After Nearly Four Years
22 Nov 2025: Paige Estritori
In a notable shift, Australian consumer sentiment has turned optimistic in November 2025, marking the first positive outlook since early 2022. The Westpac-Melbourne Institute survey revealed a 12.8% surge in the consumer sentiment index, reaching 103.8. This level, excluding the pandemic period, represents a seven-year high and indicates that optimists now outnumber pessimists among Australian consumers. - read more
Cyclone Fina Brings Severe Weather to Northern Territory's Top End
Cyclone Fina Brings Severe Weather to Northern Territory's Top End
22 Nov 2025: Paige Estritori
In November 2025, Tropical Cyclone Fina developed in the Arafura Sea, intensifying as it approached Australia's Northern Territory. The cyclone brought destructive winds and heavy rainfall to the Tiwi Islands and the Greater Darwin region, leading to widespread disruptions. - read more
Regulators Eye Non-Bank Lenders as Market Share Expands
Regulators Eye Non-Bank Lenders as Market Share Expands
14 Nov 2025: Paige Estritori
The Australian Securities and Investments Commission (ASIC) and the Reserve Bank of Australia (RBA) have intensified their oversight of non-bank lenders, responding to the sector's significant growth and its potential impact on financial stability. - read more
Click for more Finance News


Finance Articles

Top Credit Repair Strategies: How to Overcome Bad Credit in Australia
Top Credit Repair Strategies: How to Overcome Bad Credit in Australia
Understanding the concept of creditworthiness is essential, especially when considering the various financial decisions you make in life. In Australia, a good credit score can open doors to competitive loan rates, favorable mortgage terms, and hassle-free approvals for financing. Conversely, bad credit can be a significant roadblock, impacting your financial well-being and limiting your access to financial resources when you need them most. - read more
Better Borrowing: Strategic Ways to Improve Your Creditworthiness
Better Borrowing: Strategic Ways to Improve Your Creditworthiness
Creditworthiness represents a cornerstone in the world of finance, serving as the gauge by which lenders assess an individual's reliability in repaying debt. It's this measurement that can open doors to various financing opportunities or, conversely, become a barrier to accessing essential credit lines. So, what is creditworthiness, and why does it matter? - read more
How to Fix Credit Report Errors and Boost Your Credit Score
How to Fix Credit Report Errors and Boost Your Credit Score
An accurate credit report is essential because it directly affects your financial health and borrowing ability. Lenders use your credit report to assess your reliability as a borrower. Accurate information can help you secure loans and favorable interest rates. - read more
This website is owned and operated by Clark Family Pty Ltd (as Trustee for the Clark Family Trust) 43 Larch Street Tallebudgera QLD 4228, A.C.N. 010281008, authorised credit representative of Saccasan Pty Ltd, Australian Credit License 386297. Visit the ASIC website for additional licensing information.

IMPORTANT: We are neither authorised nor licensed to provide finance or financial products and we do not offer any form of credit or other financial advice. All product enquiries and requests for financial and/or other advice on this website are referred to third party intermediaries, insurers and lenders - with whom you can then deal directly. We may receive a fee or commission from these third parties in consideration for the referral. Before any action is taken to obtain a product or service referred to by this website, advice should be obtained (from either the third party to whom we refer you or from another qualified intermediary) as to the appropriateness of obtaining those products having regard to your objectives, financial situation and needs. Whilst we have our own process for vaidating the legitimacy of our referral partners, you should always verify the credentials of your financial adviser before proceeding with recommendations that they may present. Visit the ASIC website for further information.