FX.co ★ Australia’s Housing Credit Growth Eases Slightly in January 2026

Australia’s housing credit growth edged down at the start of 2026, with the indicator easing to 0.6% in January from 0.7% recorded in December 2025. The latest data, updated on 27 February 2026, signal a modest loss of momentum in borrowing activity across the housing market.

The slight slowdown suggests households and investors may be becoming more cautious in taking on new mortgage debt or expanding existing loans compared with the end of last year. While the change is marginal, the shift from December’s pace could indicate the early stages of a softer credit environment for Australia’s housing sector as 2026 begins.