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Australian Home Loans Hit Record High as Investor Activity Soars
Q3 2025 Sees Unprecedented Growth in Mortgage Lending
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The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.
In the third quarter of 2025, the Australian mortgage market experienced unprecedented growth, with new home loans totaling $191.1 billion.
This marks an $8.3 billion increase from the previous quarter, setting a new record in the housing finance sector.
A significant contributor to this surge is the heightened activity among property investors. The value of new investor loans rose by $7.7 billion from the previous quarter, reaching a record high of $71.7 billion. This represents a 24% increase compared to the same period last year, indicating a robust confidence in the property market among investors.
Owner-occupier loans also saw growth, albeit more modestly. The value of new loans for owner-occupiers increased by $646 million, bringing the total to $119.6 billion for the quarter.
These figures underscore the dynamic nature of Australia's housing market, with both investors and owner-occupiers actively participating. Prospective buyers and current homeowners should stay informed about market trends and consider seeking professional advice to navigate this evolving landscape.
Published:Saturday, 3rd Jan 2026 Source: Paige Estritori
Please Note: If this information affects you, seek advice from a licensed professional.
In the third quarter of 2025, the Australian mortgage market experienced unprecedented growth, with new home loans totaling $191.1 billion. This marks an $8.3 billion increase from the previous quarter, setting a new record in the housing finance sector. - read more
Following the Reserve Bank of Australia's (RBA) decision to maintain the cash rate at 3.60%, major banks have adjusted their fixed mortgage rates. Westpac has increased its fixed home loan rates by up to 35 basis points, with the lowest standard fixed rate now at 5.79% per annum. This marks a significant rise from 5.54% earlier in the week and 5.19% in early November. - read more
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