Growth in new owner-occupier housing finance has consolidated at an annual rate of more than 10 per cent over the past three months, and was more than 15 per cent in July.According to Australian Bureau of Statistics figures released yesterday, the number of housing finance commitment for owner-occupiers rose 2.4 per cent in July, after having risen 2.6 per cent in June and 1.6 per cent in May (in seasonally adjusted terms).The number of new owner-occupier home loans in July was 15.9 per cent higher than the number in July last year.The value of owner-occupied housing loans was flat, month-on-month. However, the value of investment loans rose 2.9 per cent in July and the value of total dwelling finance rose 1.1 per cent.A total of A$24.2 billion of home loans were written in July - up from $23.9 billion in June. Of that, $15.4 billion was for owner-occupiers and $8.8 billion was for investors.First-home buyer participation in the housing finance market remains subdued. First-home buyers made up 14.7 per cent of total dwellings financed in July, down from 15.1 per cent in June.The average loan size fell from $304,400 in June to $299,700 in July.