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Australian Home Loans Hit Record High as Investor Activity Soars

Q3 2025 Sees Unprecedented Growth in Mortgage Lending

Australian Home Loans Hit Record High as Investor Activity Soars?w=400

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.

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Australian Home Loans Hit Record High as Investor Activity Soars
Australian Home Loans Hit Record High as Investor Activity Soars
03 Jan 2026: Paige Estritori
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
Major Banks Raise Fixed Mortgage Rates After RBA Holds Cash Rate
Major Banks Raise Fixed Mortgage Rates After RBA Holds Cash Rate
03 Jan 2026: Paige Estritori
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
Investor Home Loans Surge Amid Record Borrowing
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In the third quarter of 2025, Australia's property market witnessed a significant shift as investors accounted for two out of every five home loans. Data from the Australian Bureau of Statistics (ABS) revealed that over 57,000 investors borrowed nearly $40 billion during this period, marking a 17.6% increase from the previous quarter. This surge underscores a growing trend of investor dominance in the housing sector. - read more
First Home Buyer Loan Applications Surge by 39.2% in October
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October 2025 marked a significant milestone for first-time homebuyers in Australia, with loan applications surging by 39.2%. This remarkable increase is largely attributed to the federal government's expansion of the 5% Deposit Scheme, which has made homeownership more accessible to a broader segment of the population. - read more
Australian Home Prices Experience Sharpest Rise in Over Two Years
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26 Dec 2025: Paige Estritori
October 2025 witnessed a significant surge in Australian home prices, with a 1.1% increase-the fastest monthly rise since June 2023. This growth reflects a robust rebound in the housing market, driven by several key factors. - read more
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