The mortgage market is flat, with no growth in new lending over the past 12 months, but lending to investors is growing again.According to the latest Australian Bureau of Statistics housing finance data, the value of new housing finance commitments fell 1.8 per cent in July, compared with the previous month (in seasonally adjusted terms).New lending to owner-occupiers fell 3.1 per cent in July, compared with the previous month.New lending to property investors rose 0.5 per cent. It was the third consecutive month that new mortgage lending to investors rose.The A$31.8 billion of new mortgage lending in July was 2.3 per cent lower than the same time last year.The average loan size was $360,900, compared with $360,100 in June.First-home buyers accounted for 14.1 per cent of housing finance commitments , compared with 14.3 per cent in June.