The Australian share market has finished lower after beginning the week with a turbulent day of trade.
The All Ordinaries index lost 0.2 per cent to finish nine points lower at 4,980, while the ASX 200 index fell 0.25 per cent, ending 12 points down at 4,960.
Most sectors finished weaker, with a poor performance by the mining sector weighing particularly on the market.
BHP Billiton fell 0.6 per cent, rival Rio Tinto slipped 0.2 per cent and gold miner Newcrest lost 1.5 per cent.
Fortescue Metals Group posted a 1.2 per cent gain despite losing a challenge to gain access to Rio Tinto's rail network in the Pilbara region of Western Australia.
The retail sector was the stand-out performer, led by a 17.1 per cent surge for JB Hi-Fi after the electronics retailer released better-than-expected first-half profits.
JB Hi-Fi's after-tax profit increased 3 per cent to $82 million in the six months to the end of December.
Electronics rival Harvey Norman was also among the biggest risers on the market, closing up 5.9 per cent.
David Jones went up 2.7 per cent, while rival Myer gained 3.1 per cent.
However, there were mixed fortunes for the major banks; the Commonwealth Bank rose 0.5 per cent and NAB gained 0.25 per cent, but ANZ and Westpac fell by 1.25 per cent and 0.4 per cent respectively.
Official housing finance data surprised analysts as it showed a 1.5 per cent fall in owner-occupied home loans in December.
First home owners made up 14.9 per cent of that figures - its smallest share since 2004.
In commodities, spot gold was trading at $US1,667.55 an ounce about 5pm (AEDT) while West Texas intermediate crude oil was fetching $US95.72 cents a barrel.
Tapis crude oil in Singapore was worth around $US124.32 a barrel.
The Australian dollar weakened against the greenback throughout trade and was worth $US103.01 around 5pm, 76.99 euro cents, 95.38 Japanese yen, 65.18 British pence and 123.56 New Zealand cents.