{"id":38906,"date":"2022-06-03T07:50:43","date_gmt":"2022-06-02T19:50:43","guid":{"rendered":"https:\/\/propertynoise.co.nz\/au\/?p=38906"},"modified":"2022-06-03T07:50:43","modified_gmt":"2022-06-02T19:50:43","slug":"australian-banks-tighten-lending-standards-as-interest-rates-rise","status":"publish","type":"post","link":"https:\/\/propertynoise.co.nz\/au\/australian-banks-tighten-lending-standards-as-interest-rates-rise\/","title":{"rendered":"Australian banks tighten lending standards as interest rates rise"},"content":{"rendered":"

PHOTO: Australian Banks. FILE<\/strong><\/p>\n

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Homebuyers could find it even harder to get a loan as rising interest rates prompt Australia\u2019s major banks to tighten their lending standards.<\/p>\n<\/div>\n

ANZ has confirmed it will only accept home loan applications where the debt-to-income ratio is less than 7.5, meaning customers won\u2019t be able to borrow as much. It said it had made the decision, which will come into effect from June 6, \u201cgiven the changing\u00a0interest rate\u00a0environment\u201d.<\/p>\n

\u201cANZ regularly reviews lending appetite and policies as the economic environment changes to ensure we are continuing to lend prudently to our customers,\u201d an ANZ spokesman said.<\/p>\n

The debt-to-income ratio calculates a person\u2019s total monthly debts and divides this by their monthly income.<\/p>\n

ANZ\u2019s move follows National Australia Bank\u2019s decision to cut its debt-to-income ratio limit from nine times to eight times, although NAB will still consider lending at higher levels if credit checks for individual customers are positive.<\/p>\n

\u201cNAB will continue to put responsible lending first in its approach to credit and we welcome ongoing consultation with regulators,\u201d NAB executive Kirsten Piper said.<\/p>\n

Other banks say they will also apply greater scrutiny on loans with a higher debt-to-income ratio (DTI).<\/p>\n

\"most<\/a><\/div>\n
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Property crash? WHAT property crash? Spectacular three bedroom penthouse overlooking Bondi Beach goes for $25million<\/a><\/h2>\n<\/header>\n<\/div>\n

A Commonwealth Bank spokesman said it applied tighter lending parameters for loans with a debt-to-income ratio above six times and where the customer had a small deposit.<\/p>\n

Westpac said loans with a DTI of seven times or more were automatically sent to the credit team for manual assessment.<\/p>\n

\u201cThe DTI ratio is one of several considerations when we review home loan applications,\u201d a spokeswoman said. \u201cWe also assess borrowers at a higher interest rate than their initial rate to ensure they can meet future changes in interest rates.\u201d<\/p>\n

The Australian Prudential Regulation Authority (APRA) considers a DTI over six times as potentially higher risk, as well as interest only loans, and loans approved with a deposit of less than 10 per cent.<\/p>\n

Last October, APRA noted that household debt levels relative to income were very high \u2013 both historically and internationally \u2013 partly due to very low interest rates and rapidly increasing property prices.<\/p>\n

It said the rate of household credit growth was likely to exceed income growth for the foreseeable future, further adding to debt levels.<\/p>\n

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\"ANZ<\/div>\n

ANZ has cut off lending to people with a high debt-to-income ratio. Picture: Asanka Ratnayake\/Getty Images<\/strong><\/em><\/div>\n

APRA said all financial institutions should be operating with a buffer of at least 3.0 percentage points over the loan interest rate.<\/p>\n

It will also consider the need for \u201cfurther macroprudential measures\u201d if lending at high debt-to-income ratios continued to rise.<\/p>\n

However, banks still look to be eager to gain the business of those who can meet stricter standards, with many of them lowering their variable rates for new customers.<\/p>\n

ANZ has cut its lowest variable rate down to 2.29 per cent, Westpac is giving its customers a two-year honeymoon rate of 2.09 per cent and the Commonwealth Bank is offering a starting variable rate of 2.14 per cent.<\/p>\n

\"Adam<\/a><\/div>\n
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Real estate agent accused of taking rival\u2019s signs is tracked down<\/a><\/h2>\n<\/header>\n<\/div>\n

\u201cWhat these big bank cuts show is that competition in the mortgage market is still alive and kicking, despite the RBA hikes,\u201d RateCity research director Sally Tindall told\u00a0The Australian<\/i>.<\/p>\n

\u201cWhile most variable customers will now be dealing with higher repayments, some banks eager for new business are handing out exemptions.\u201d<\/p>\n

It comes after all four major banks\u00a0raised their variable interest rates\u00a0for existing customers to match the Reserve Bank of Australia\u2019s decision to increase the cash rate by 0.25 percentage points, from 0.1 per cent to 0.35 per cent.<\/p>\n

Most analysts expect the RBA will keep raising rates, by as much as 2 percentage points in the next year.<\/p>\n

While interest rate rises will likely help bring house prices down, they also lower the amount of money people can borrow, and the\u00a0gap between the two may not be as beneficial to buyers as first hoped.<\/p>\n

READ MORE VIA NEWS.COM.AU<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

PHOTO: Australian Banks. FILE Homebuyers could find it even harderRead More →<\/a><\/span><\/p>\n","protected":false},"author":1,"featured_media":19924,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"footnotes":""},"categories":[461747081],"tags":[478099572,478101413,478103092,478098512,478104256,478121564,478119134,478111199,478110823,478098521,478121565,478100764,478121566,478098542,478098519,478098535,478098522,478099901,478098543,478098579,478098510,478098514,478098609,478098511,478098509,478109852,478105269,478100668],"class_list":["entry","author-data123nz","post-38906","post","type-post","status-publish","format-standard","has-post-thumbnail","category-australian-property-real-estate-news","tag-anz","tag-anz-bank","tag-apra","tag-australia","tag-australian-banks","tag-australian-mortgage","tag-australian-mortgage-debt","tag-australian-mortgage-rates","tag-australian-mortgages","tag-australians","tag-australias-major-banks","tag-commonwealth-bank","tag-debt-to-income-ratio","tag-home-loans","tag-home-ownership","tag-house-prices","tag-interest-rates","tag-mortgage-market","tag-mortgages","tag-property-market","tag-property-news","tag-propertynoise","tag-rba","tag-real-estate","tag-real-estate-news","tag-reserve-bank-cash-rate","tag-the-australian-prudential-regulation-authority","tag-westpac"],"yoast_head":"\nAustralian banks tighten lending standards as interest rates rise - Property News Australia<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/propertynoise.co.nz\/au\/australian-banks-tighten-lending-standards-as-interest-rates-rise\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Australian banks tighten lending standards as interest rates rise - Property News Australia\" \/>\n<meta property=\"og:description\" content=\"PHOTO: Australian Banks. 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