Capital requirement for First Home Loan Deposit Scheme mortgages
This page contains APRA’s consultation on the capital requirement for residential mortgages covered by the First Home Loan Deposit Scheme (FHLDS).
December 2019
On 9 December 2019, APRA released a response letter on the adjusted capital requirement for residential mortgages covered by the First Home Loan Deposit Scheme.
APRA's response letter and non-confidential submissions are available below:
Letter
Response to submissions: Capital treatment of mortgages under the First Home Loan Deposit Scheme
Non-confidential submissions
October 2019
On 28 October 2019, APRA issued a consultation letter inviting submissions on the capital treatment of residential mortgages covered by the FHLDS. Information on how to respond is contained in the consultation letter below.
Submissions close on 11 November 2019.
Letter
Consultation on the capital treatment of mortgages under the First Home Loan Deposit Scheme
Note on submissions
It is APRA's policy to publish all submissions on the APRA website unless the respondent specifically tells APRA in writing that all or part of the submission is to remain confidential. An automatically generated confidentiality statement in an email does not satisfy this purpose. If you would like only part of your submission to be confidential, you should provide this information marked as 'confidential' in a separate attachment.
Submissions may be the subject of a request for access made under the Freedom of Information Act 1982 (FOIA). APRA will determine such requests, if any, in accordance with the provisions of the FOIA. Information in the submission about any APRA-regulated entity that is not in the public domain and that is identified as confidential will be protected by section 56 of the Australian Prudential Regulation Authority Act 1998 and will therefore be exempt from production under the FOIA.