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RBA Glossary definition for lender

lender – A person or institution which provides loans on agreed terms to borrowers.

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HANDOUT PREPARED FOR STANDING COMMITTEE ON ECONOMICS 22 SEPTEMBER 2016

21 Sep 2016 Submissions PDF 386KB
Indicator based on selected lenders’ lowest available advertised. standard variable rates.
https://www.rba.gov.au/publications/submissions/financial-sector/handout-standing-committee-on-economics-2016-09-22/pdf/handout-standing-committee-on-economics-2016-09-22.pdf

Submission to the Inquiry into Home Ownership - June 2015

15 Jul 2015 Submissions PDF 4844KB
Submission to the Inquiry into Home Ownership
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/pdf/inquiry-into-home-ownership.pdf

Drivers of Demand | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions

1 Jun 2015 Submissions
low. The Australian Prudential Regulation Authority (APRA) has recently provided guidance to lenders that the interest rate used in these serviceability tests should be at least 7 per cent (APRA 2014). ... Thus, households that already planned to borrow
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/drivers-of-demand.html

Home Ownership Rates | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions

1 Jun 2015 Submissions
The latest data from mortgage lenders suggest that around 15 per cent of new lending to owner-occupiers involves LVRs above 90 per cent; most of these borrowers would be first ... Graph 17. Footnote. Mortgages in Australia with an original LVR above 80
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/home-ownership-rates.html

Proportion of Investment Housing Relative to Owner-Occupied Housing | Submission to the Inquiry into Home Ownership June 2015 | Housing and …

1 Jun 2015 Submissions
This included a benchmark for lenders' growth in investor housing lending of 10 per cent, above which supervisory action may be intensified. ... Lenders can have difficulty classifying loans by type of purchaser, so these figures will have a margin of
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/proportion-investment-housing-relative-owner-occ-housing.html

Drivers of Supply | Submission to the Inquiry into Home Ownership June 2015 | Housing and Housing Finance | Submissions

1 Jun 2015 Submissions
These include the cost of financing projects, which is primarily driven by the level of interest rates as well as lenders' views about the riskiness of individual projects.
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-into-home-ownership/drivers-of-supply.html

Supplementary Submission to the Financial System Inquiry August 2014

26 Aug 2014 Submissions PDF 339KB
Financial System Inquiry
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-08/pdf/financial-system-inquiry-2014-08.pdf

Housing Finance | Supplementary Submission to the Financial System Inquiry – August 2014 | Financial Sector | Submissions

1 Aug 2014 Submissions
The Interim Report highlighted several options for aiding competition through Australia's capital framework, including changes to mortgage risk weights and providing capital inducements for ADIs that use Lenders' Mortgage Insurance.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-08/housing-finance.html

Submission to the Inquiry into Affordable Housing - February 2014

17 Mar 2014 Submissions PDF 1303KB
https://www.rba.gov.au/publications/submissions/housing-and-housing-finance/inquiry-affordable-housing/pdf/inquiry-affordable-housing.pdf

Sources and Management of Systemic Risk | Submission to the Financial System Inquiry – March 2014 | Financial Sector | Submissions

1 Mar 2014 Submissions
From a lenders' perspective, mortgage prepayment should act to reduce the credit risk on the mortgage. ... In Australia, this cover is offered by prudentially regulated institutions known as lenders mortgage insurers.
https://www.rba.gov.au/publications/submissions/financial-sector/financial-system-inquiry-2014-03/sources-and-management-of-systemic-risk.html