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A regularly updated library of credit, debt and lending statistics for Australia — credit scores, defaults, arrears, loan rejection, mortgage approvals and credit repair outcomes. Every figure is attributed to its original source (RBA, ABS, APRA, AFCA, Equifax and more).
National average Equifax score (864), state and gender breakdowns, bureau ranges and how scores have shifted.
View statistics →Mortgage arrears, non-performing loans, regional trends and how long a default stays on your credit file.
View statistics →How many Australians are knocked back or avoid applying, why applications are declined, and your rights after.
View statistics →New home loan commitments, first home buyer activity, lending standards and APRA's debt-to-income limits.
View statistics →Household debt, credit card use, personal loans, BNPL and the debt-to-income ratio — the big picture for 2026.
View statistics →Credit file correction outcomes — first-party ACS data on accepted cases alongside independent AFCA figures.
View statistics →Every statistic on these pages is drawn from a named, publicly available source — Australian regulators and official bodies (the RBA, ABS, APRA, AFCA and the OAIC) and the credit bureaus (Equifax, Experian and illion), supplemented by reputable consumer research where no official figure exists. Where Australia publishes no official figure, we say so plainly rather than inventing one.
Pages are reviewed by Elisa Rothschild (BA/LLB), Principal Solicitor and Director of Australian Credit Solutions (ASIC ACL 532003), and refreshed quarterly as new releases land. First-party figures — such as our own success rate — are clearly labelled as describing accepted cases only and are never presented as an industry average.
This library is general information only and does not constitute legal or financial advice. Always check the original source for the latest data.
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