Market signals
A short brief each time new lending, lending-standards and arrears data is released.
For investors and advisers
Property market intelligence · Australia
Understand the property market through the lending data behind it.
DwellDelta turns Australia's public property and lending data into clear signals and research, with every figure traced to its source. Already hold other data? We can work it in.
Owner-occupiers Investors
Investor lending is 21% below its Dec 2025 peak.
The figures ($ billion)
| Quarter | Owner-occupiers | Investors |
|---|---|---|
| Sep 2022 | 15.86 | 9.25 |
| Dec 2022 | 14.02 | 8.54 |
| Mar 2023 | 13.67 | 8.66 |
| Jun 2023 | 14.11 | 8.92 |
| Sep 2023 | 14.50 | 9.43 |
| Dec 2023 | 15.06 | 10.09 |
| Mar 2024 | 14.89 | 11.09 |
| Jun 2024 | 16.49 | 12.08 |
| Sep 2024 | 16.62 | 12.65 |
| Dec 2024 | 16.09 | 12.36 |
| Mar 2025 | 16.41 | 12.41 |
| Jun 2025 | 16.80 | 12.73 |
| Sep 2025 | 18.01 | 15.46 |
| Dec 2025 | 19.55 | 15.96 |
| Mar 2026 | 19.19 | 14.73 |
| Jun 2026 | 17.39 | 12.60 |
Source: ABS, Lending Indicators, June quarter 2026, Tables 4 and 14, seasonally adjusted, new loan commitments excluding refinancing. Based on Australian Bureau of Statistics data, CC BY 4.0.
What we offer
Three ways we help
Research on request
A specific question about a market, region or segment, answered from public data with the working shown.
For investment committees and advice
Your data, monitored
Bring data you hold or license. We connect it to public data and tell you what changes.
For funds, lenders, councils and agencies
Free tool
Free: is my rent fair?
Compare your rent, and any increase you have been asked for, with how rents across your capital city have moved since your lease began. It uses the Australian Bureau of Statistics rents index, it is city-wide rather than suburb by suburb, and it says so. Nothing you type leaves your browser.
Straight about the data
What we cannot answer yet
We work from public data we are licensed to use for this. That covers lending, lending standards, arrears, credit, the 2021 Census and suburb geography. It does not cover what individual homes sold for, or what they rent for today: the NSW datasets that hold those are licensed for non-commercial use only.
We asked the NSW Valuer General on 23 September 2026 whether we may publish statistics derived from the sales data, and it answered on 24 September 2026: the data may be analysed for non-commercial purposes, and commercial use requires a paid licence, which we do not hold. Its licensing is under review, and we have asked that the review consider aggregate statistics. We will say here if that changes.
How it works
From question to brief
Tell us what you watch
A market, a portfolio or a question. We agree the measures that matter.
We build the monitor
From public data, plus any data you bring, with the source of every number recorded.
You get the brief
When the data moves: what changed, why it matters, and the evidence behind it.
Common questions
Straight answers
What does DwellDelta do?
DwellDelta turns Australia's public property and lending data into clear market signals and research, with every figure traced to its source. It offers three services: Market signals, Research on request, and Your data, monitored.
Where does the data come from?
From public sources licensed for commercial use with attribution: the Australian Bureau of Statistics (new home lending and the 2021 Census), the Australian Prudential Regulation Authority (bank lending standards and home-loan arrears) and NSW Spatial Services (suburb boundaries). The data page lists each source with its licence.
How current is it?
A Market signals brief goes out each time new lending, lending-standards or arrears data is released, and every figure names its source and the date it was taken.
Can DwellDelta say what a home sold for, or what it rents for?
Not yet. The NSW datasets that hold individual sales and rents are licensed for non-commercial use only, and commercial use of the sales data requires a paid licence, which we do not hold. We will say here if that changes.
Is this financial advice?
No. DwellDelta reports what public data shows about the property market. It is not financial advice.
Is anything free?
Yes. The rent check compares your rent, and any increase you have been asked for, with how rents across your capital city have moved since your lease began, using the Australian Bureau of Statistics rents index. It is city-wide rather than suburb by suburb, and nothing you type leaves your browser.
Who runs DwellDelta?
One person: Ling Tao. There is no team and no office; you deal with the person who does the work.
Tell us what you need to watch
We'll reply with what we can build and what it would take.