Household borrowing edged higher in March with consumers showing signs of being willing to take on more debt.
Reserve Bank data shows seasonally-adjusted household borrowing at $186.3 billion in March, a rise of 0.2% compared with the previous month.
This represents the biggest rise since July 2011.
On an annual basis housing-related borrowing grew 1.3% while consumer borrowing rose 0.6 %.
The annual rate of increase in total borrowing was 1.3%, the highest in 13 months.