NAB has seen its share of the mortgage market expand by more than 2% since its all-time low in 2010
Housing market researcher Residex says the last 12 months have been an improvement over 2011, but says further RBA rate cuts - preferably in one fell swoop - are required
Mortgage demand has remained flat across much of the country, and could see subdued growth for house prices.
If the RBA moves on rates again in February, major bank customers may be looking elsewhere should the big four fail to follow suit
Australian Bureau of Statistics consumer price index data released yesterday has economists dusting off their crystal balls once more in the lead-up to next month's RBA meeting
Australians are more comfortable than ever with their mortgage payments and are looking to save in the year ahead, while their economic optimism has plunged