Feature article
Shifting tides: lower interest rates begin to fuel a hotter lending market
Drawing on expert analysis from Cotality’s Kelvin Davidson
AI summary
Analysis from Kelvin Davidson of Cotality shows falling interest rates are boosting the lending market. New mortgage lending is rising, driven significantly by first home buyers (FHBs) who are taking advantage of increased bank flexibility.
Key trends include:
- Successful use of low-deposit lending by FHBs.
- More lending at higher loan-to-value (LVR) and debt-to-income (DTI) ratios.
While money is available for qualified borrowers, the housing recovery's strength depends on broader economic and employment improvements.
The Domino Effect of Rate Cuts
Lending Volumes on the Rise
First Home Buyers Seize the Opportunity
A Clear Shift in Lending Attitudes
What This Means for You
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