Any bankers grizzling about lacklustre demand for debt might want to cheer up, since Australian Bureau of Statistics shows their product is penetrating their target market well.The Household Income and Distribution Survey shows that, over the 2011/12 financial year, 36.6 per cent of households had a mortgage compared with 30.9 per cent of households that owned their home outright, while 30.3 per cent of households were renters.Fifteen years ago, the ABS estimated that 41.3 per cent of households owned their home outright compared with 28.3 per cent that were buying their home with a mortgage, while 27.9 per cent were renting.Property analysts RP Data summarised the recent ABS data in a report yesterday.RP Data researcher Cameron Kusher commented in the report that "the rising proportion of households that are owned with a mortgage is likely to be one of the factors acting as a handbrake on consumer spending."