The survey, conducted by Agile Market Intelligence in partnership with the Commercial & Asset Finance Brokers Association (CAFBA), gathered insights from over 400 mortgage, finance, and commercial brokers between January 1 and 25, 2026. The findings reveal a market that, while cautious, is increasingly optimistic about future prospects.
Business loans have emerged as a primary driver of this momentum, with the market demand index for business lending climbing to +53 in December 2025. This marks a steady upward trend in recent months, indicating a robust appetite for business financing. Similarly, commercial mortgages have experienced a resurgence, with the index reaching +42 after a brief slowdown in late 2025.
Conversely, demand for asset and equipment finance, while still positive at +36, has shown a slight easing. This suggests that businesses are becoming more selective in their capital allocation, focusing on strategic investments that promise higher returns.
For brokers, this evolving landscape presents both opportunities and challenges. The increased demand for business loans and commercial mortgages necessitates a proactive approach to client engagement and service delivery. Brokers are encouraged to stay informed about market trends and tailor their offerings to meet the specific needs of businesses seeking financing.
As the Australian economy continues to recover and grow, the surge in business loan demand underscores the critical role of financial intermediaries in facilitating access to capital. By leveraging their expertise and networks, brokers can support businesses in navigating the complexities of the lending market, ultimately contributing to sustained economic development.
