The Reserve Bank of Australia published a fresh and more detailed overview of the extent to which borrowers are ahead on their home loan repayments yesterday.Drawing mainly on data from the Household, Income and Labour Dynamics in Australia Survey, the RBA estimated that:-- In aggregate, the stock of households' pre-payment buffers on home loans is equal to more than 10 per cent of the outstanding stock of housing loans.-- The share of indebted households who made substantial principal repayments on their mortgage (of A$25,000 or more over the year) was 22 per cent in 2010, up from an average of 15 per cent in the HILDA surveys in 2002 and 2007. -- Around 15 per cent of borrowers are ahead by two years or more, at least at major banks.-- Of those borrowers who are ahead on their mortgage around 45 per cent are estimated to have a buffer of up to six months, 15 per cent have a buffer of between six months and a year, and more than 40 per cent have a buffer greater than one year's repayments.-- Households with large mortgage buffers tend to be older and have higher incomes. Borrowers that have small or no buffers tend to be younger or to have taken out their loan more recently. -- More than half of owner-occupiers are estimated to be ahead on their mortgage repayments, while less than 40 per cent of investors (who have tax reasons for minimising payments) are ahead.  Owner-occupiers tend to have larger buffers.The RBA published the analysis in its half-yearly Financial Stability Review.