Australian Mortgage Market Reaches Record High Amidst Surging Property Prices

The surge in mortgage values is closely linked to escalating property prices across the nation. Data from Cotality's Home Value Index indicates an 8.6% increase in property values throughout 2025, marking the most significant annual growth since 2021. This upward trend has been particularly pronounced in major cities, where demand continues to outpace supply.

Among the major banks, the Commonwealth Bank of Australia (CBA) recorded the largest monthly increase in mortgage values, adding $4.6 billion in November 2025, a 0.76% rise. Macquarie Bank also demonstrated substantial growth, with a 2.32% monthly increase, contributing to an annual growth rate of nearly 24%.

For prospective homebuyers and investors, these developments highlight the competitive nature of Australia's housing market. The combination of rising property prices and increasing mortgage values underscores the importance of thorough financial planning and market research when considering property purchases or investments.

Existing homeowners should also be mindful of the evolving market dynamics, as higher property values may influence equity positions and refinancing opportunities. Engaging with financial advisors or mortgage brokers can provide valuable insights into leveraging current market conditions to achieve individual financial objectives.

As the housing market continues to evolve, staying informed about property trends and mortgage statistics will be crucial for making informed decisions in Australia's dynamic real estate landscape.