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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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Knowledgebase
Mortgagor:
A person who offers to assign an asset as security (e.g. real estate) under a mortgage loan contract. The lender (mortgagee) holds the legal ownership of the security until the loan is repaid and the mortgage is discharged.


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