In 2024, the ten largest mortgage lenders in Australia comprised over ** percent of the mortgage market. The Commonwealth Bank of Australia and Westpac Banking Corporation were leading mortgage providers by value of gross mortgage lending and accounted for roughly ** and ** percent of gross mortgage lending respectively.

Mortgage lenders are dealing with the RBA's shift to a tighter monetary policy, as it fights heavy inflation. Since May 2022, the RBA has raised the benchmark cash rate, which flows to interest rates on home loans. This represents a complete reversal of the prevailing approach to monetary policy taken in recent years. Over the course of the pandemic, subdued interest rates, in conjunction with government incentives and relaxed interest rate buffers, encouraged strong mortgage uptake. With the RBA's policy reversal, authorised deposit-taking institutions will need to balance their interest rate spreads to ensure steady profit. A stronger cash rate means more interest income from existing home loans, but also steeper funding costs. Moreover, increasing loan rates mean that prospective homeowners are being cut out of the market, which will slow demand for new home loans. Overall, industry revenue is expected to rise at an annualised 0.4% over the past five years, including an estimated 2.2% jump in 2023-24, to reach $103.4 billion. APRA's regulatory controls were updated in January 2023, with new capital adequacy ratios coming into effect. The major banks have had to tighten up their capital buffers to protect against financial instability. Although the ‘big four’ banks control most home loans, other lenders have emerged to foster competition for new loanees. Technological advances have made online-only mortgage lending viable. However, lenders that don't take deposits are more reliant on wholesale funding markets, which will be stretched under a higher cash rate. Looking ahead, technology spending isn't slowing down, as consumers continue to expect secure and user-friendly online financial services. This investment is even more pressing, given the ongoing threat of cyber-attacks. Industry revenue is projected to inch upwards at an annualised 0.8% over the five years through 2028-29, to $107.7 billion.

Australian Housing Prices

Location, Size, Price, Etc

By Jeff [source]

About this dataset

This dataset contains information on 1000 properties in Australia, including location, size, price, and other details

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How to use the dataset

If you're looking for a dataset on Australian housing data, this is a great option. This dataset contains information on over 1000 properties in Australia, including location, size, price, and other details. With this data, you can answer questions like What is the average price of a home in Australia?, What are the most popular type of homes in Australia?, and more

Research Ideas

• This dataset can be used to predict hosing prices in Australia.
• This dataset can be used to find relationships between housing prices and location.
• This dataset can be used to find relationships between housing prices and features such as size, number of bedrooms, and number of bathrooms

Acknowledgements

If you use this dataset in your research, please credit the original authors. Data Source

License

See the dataset description for more information.

Columns

File: RealEstateAU_1000_Samples.csv | Column name | Description | |:--------------------|:---------------------------------------------------------------------------------------| | breadcrumb | A breadcrumb is a text trail that shows the user's location within a website. (String) | | category_name | The name of the category that the listing belongs to. (String) | | property_type | The type of property being listed. (String) | | building_size | The size of the property's building, in square meters. (Numeric) | | land_size | The size of the property's land, in square meters. (Numeric) | | preferred_size | The preferred size of the property, in square meters. (Numeric) | | open_date | The date that the property was first listed for sale. (Date) | | listing_agency | The agency that is listing the property. (String) | | price | The listing price of the property. (Numeric) | | location_number | The number that corresponds to the property's location. (Numeric) | | location_type | The type of location that the property is in. (String) | | location_name | The name of the location that the property is in. (String) | | address | The property's address. (String) | | address_1 | The first line of the property's address. (String) | | city | The city that the property is located in. (String) | | state | The state that the property is located in. (String) | | zip_code | The zip code that the property is located in. (String) | | phone | The listing agent's phone number. (String) | | latitude | The property's latitude. (Numeric) | | longitude | The property's longitude. (Numeric) | | product_depth | The depth of the product. (Numeric) | | bedroom_count | The number of bedrooms in the property. (Numeric) | | bathroom_count | The number of bathrooms in the property. (Numeric) | | parking_count | The number of parking spaces in the property. (Numeric) | | RunDate | The date that the listing was last updated. (Date) |

Acknowledgements

If you use this dataset in your research, please credit the original authors. If you use this dataset in your research, please credit Jeff.

The Australian mortgage market was characterized by a sharp slowdown in mortgage balances in 2019 after years of growth – and this trend is expected to continue well into 2020. Property prices this year are expected to decline between 15% and 30% overall as COVID-19 temporarily freezes the market. However, mortgage balance growth to 2024 is expected to be positive overall, with the rebound beginning in 2021 Read More

The average price of Australian residential property has risen over the past ten years, and in December 2024, it reached 976,800 Australian dollars. Nonetheless, property experts in Australia have indicated that the country has been in a property bubble over the past decade, with some believing the market will collapse sometime in the near future. Property prices started declining in 2022; however, a gradual upward trend was witnessed throughout 2023, with minor fluctuations in 2024. Australian capital city price differences While the national average residential property price has exhibited growth, individual capital cities display diverse trends, highlighting the complexity of Australia’s property market. Sydney maintains its position as the most expensive residential property market across Australia's capital cities, with a median property value of approximately 1.19 million Australian dollars as of April 2025. Brisbane has emerged as an increasingly pricey capital city for residential property, surpassing both Canberra and Melbourne in median housing values. Notably, Perth experienced the most significant annual increase in its average residential property value, with a 10 percent increase from April 2024, despite being a comparably more affordable market. Hobart and Darwin remain the most affordable capital cities for residential properties in the country. Is the homeownership dream out of reach? The rise in property values coincides with the expansion of Australia's housing stock. In the December quarter of 2024, the number of residential dwellings reached around 11.29 million, representing an increase of about 53,200 dwellings from the previous quarter. However, this growth in housing supply does not necessarily translate to increased affordability or accessibility for many Australians. The country’s house prices remain largely disproportional to income, leaving the majority of low- and middle-income earners priced out of the market. Alongside this, elevated mortgage interest rates in recent years have made taking out a loan increasingly unappealing for many potential property owners, and the share of mortgage holders at risk of mortgage repayment stress has continued to climb.

The Finance sector's operating environment was previously characterised by record-low interest rates. Nonetheless, high inflation prompted the Reserve Bank of Australia (RBA) to hike the cash rate from May 2022 onwards. This shift allowed financial institutions to impose higher loan charges, propelling their revenue. Banks raised interest rates quicker than funding costs in the first half of 2022-23, boosting net interest margins. However, sophisticated competition and digital disruption have reshaped the sector and nibbled at the Big Four's dominance, weighing on ADIs' performance. In the first half of 2025, the fierce competition has forced ADIs to trim lending rates even ahead of RBA moves to protect their slice of the mortgage market. Higher cash rates initially widened net interest margins, but the expiry of cheap TFF funding and a fierce mortgage war are now compressing spreads, weighing on ADIs' profitability. Although ANZ's 2024 Suncorp Bank takeover highlights some consolidation, the real contest is unfolding in tech. Larger financial institutions are combatting intensified competition from neobanks and fintechs by upscaling their technology investments, strengthening their strategic partnerships with cloud providers and technology consulting firms and augmenting their digital offerings. Notable examples include the launch of ANZ Plus by ANZ and Commonwealth Bank's Unloan. Meanwhile, investor demand for rental properties, elevated residential housing prices and sizable state-infrastructure pipelines have continued to underpin loan growth, offsetting the drag from weaker mortgage affordability and volatile business sentiment. Overall, subdivision revenue is expected to rise at an annualised 8.3% over the five years through 2024-25, to $524.6 billion. This growth trajectory includes an estimated 4.8% decline in 2024-25 driven by rate cuts in 2025, which will weigh on income from interest-bearing assets. The Big Four banks will double down on technology investments and partnerships to counter threats from fintech startups and neobanks. As cybersecurity risks and APRA regulations evolve, financial institutions will gear up to strengthen their focus on shielding sensitive customer data and preserving trust, lifting compliance and operational costs. In the face of fierce competition, evolving regulations and shifting customer preferences, consolidation through M&As is poised to be a viable trend for survival and growth, especially among smaller financial institutions like credit unions. While rate cuts will challenge profitability within the sector, expansionary economic policies are poised to stimulate business and mortgage lending activity, presenting opportunities for strategic growth in a dynamic market. These trends are why Finance subdivision revenue is forecast to rise by an annualised 1.1% over the five years through the end of 2029-30, to $554.9 billion

A survey conducted in November 2024 revealed that housing costs related to mortgage interest rate movements and the cost of rent were the leading financial concern among Australian consumers, at around 25 percent of respondents. Grocery prices were the next most prevalent cause of financial worries among those surveyed.

Market Size statistics on the Mortgages industry in Australia

Mortgage Rate in Australia decreased to 5.51 percent in September from 5.52 percent in August of 2025. This dataset includes a chart with historical data for Australia Mortgage Rate.

The Asia-Pacific Mortgage/Loan Brokers Market report segments the industry into By Enterprise (Large, Small, Mid-sized), By Applications (Home Loans, Commercial and Industrial Loans, Vehicle Loans, Loans to Governments, Others), By End-User (Businesses, Individuals), and By Country (Australia, Bangladesh, China, India, Indonesia, Japan, Pakistan, Philippines, Thailand, Vietnam).

Australian Property Market Insights Dataset: Historical affordability metrics, cash rate impact on lending, supply vs demand analysis, property metrics, first home buyer trends, and lending risk assessment. Official data from ABS, APRA, and RBA (2014-present).

According to a November 2024 survey among Australian consumers, around ** percent of respondents had successfully switched to a new mortgage lender. Just over ** percent of consumers reportedly had no intention of switching their mortgage provider because they already were on a good interest rate.

Australia Digital Mortgage and Online Lending Market valued at AUD 99 billion, driven by digital adoption, fintech innovations, and green mortgages for sustainable homes.

Mortgage interest rates worldwide varied greatly in June 2025, from less than ******percent in many European countries to as high as ***percent in Turkey. The average mortgage rate in a country depends on the central bank's base lending rate and macroeconomic indicators such as inflation and forecast economic growth. Since 2022, inflationary pressures have led to rapid increases in mortgage interest rates. Which are the leading mortgage markets? An easy way to estimate the importance of the mortgage sector in each country is by comparing household debt depth, or the ratio of the debt held by households compared to the county's GDP. In 2024, Switzerland, Australia, and Canada had some of the highest household debt to GDP ratios worldwide. While this indicator shows the size of the sector relative to the country’s economy, the value of mortgages outstanding allows to compare the market size in different countries. In Europe, for instance, the United Kingdom, Germany, and France were the largest mortgage markets by outstanding mortgage lending. Mortgage lending trends in the U.S. In the United States, new mortgage lending soared in 2021. This was largely due to the growth of new refinance loans that allow homeowners to renegotiate their mortgage terms and replace their existing loan with a more favorable one. Following the rise in interest rates, the mortgage market cooled, and refinance loans declined.

This project comprises two studies that examine the relationship between investor attention and house prices in the Australian housing market. The first study investigates the correlation between investor attention, measured by the Google Search Volume Index, and house prices in Australia. It uncovers a strong positive correlation, indicating that fluctuations in investor attention closely align with changes in house prices. The study also highlights the predictive potential of investor attention in forecasting housing market trends, supported by behavioural finance principles that emphasise the impact of investor sentiment on asset pricing, particularly in real estate. The second study explores the bidirectional relationship between house prices and investor attention using OLS regression, VAR modeling, Granger causality tests, impulse response functions, and forecast error variance decomposition. The findings confirm that investor attention significantly influences housing prices, and past house prices can also impact current investor attention. In addition, short-term shocks in house prices cause fluctuations in investor attention, although these effects are transient. This study underscores the importance of integrating investor attention with traditional economic factors to better understand and predict housing market dynamics. These empirical studies contribute significantly to the literature on investor attention and housing market dynamics, representing some of the earliest empirical inquiries into the relation between housing market fluctuations and investor attention. By bridging these two critical domains, the research provides valuable insights for policymakers, real estate investors, and market analysts. The findings also lay a foundation for scholars and practitioners to enhance housing market analysis and prediction, offering substantial implications for market forecasting and intervention strategies.

Graph and download economic data for Real Residential Property Prices for Australia (QAUR628BIS) from Q1 1970 to Q2 2025 about Australia, residential, HPI, housing, real, price index, indexes, and price.

The Australian Fintech market, valued at $4.11 billion in 2025, is experiencing robust growth, projected to expand at a Compound Annual Growth Rate (CAGR) of 10.32% from 2025 to 2033. This expansion is fueled by several key drivers. The increasing adoption of smartphones and internet penetration across Australia has created a fertile ground for digital financial services. Furthermore, a young and tech-savvy population readily embraces innovative payment solutions, investment platforms, and lending options offered by Fintech companies. Government initiatives promoting digitalization and financial inclusion are also contributing to market growth. Strong competition among established players like Afterpay Touch, Judo Bank, and Wise, alongside the emergence of numerous startups, fosters innovation and drives down costs for consumers. However, regulatory hurdles, data security concerns, and the need for robust cybersecurity measures pose challenges to the market's continued expansion. The market is segmented into various service propositions, including money transfer and payments (the largest segment, likely driven by Afterpay and similar services), savings and investments (growing due to increased accessibility through apps), digital lending and lending marketplaces (facilitated by companies like Athena Mortgage), online insurance and insurance marketplaces, and other niche services. The competitive landscape is dynamic, with both established financial institutions and disruptive Fintech firms vying for market share. Future growth will likely be driven by further integration of open banking technologies, personalized financial management tools, and advancements in artificial intelligence and machine learning within financial services. The projected market size for 2033 can be estimated based on the provided CAGR. Using a compound interest calculation, the market is expected to exceed $11 billion by 2033. This signifies a significant opportunity for both established players and new entrants. However, sustained growth necessitates a focus on addressing regulatory challenges, enhancing cybersecurity infrastructure, and maintaining consumer trust. The continued adoption of innovative technologies and the expansion of financial literacy programs will further contribute to shaping the future of the Australian Fintech landscape. This comprehensive report provides an in-depth analysis of the burgeoning Australia Fintech market, covering the period 2019-2033. With a base year of 2025 and an estimated year of 2025, this report offers invaluable insights into market trends, growth drivers, challenges, and key players shaping the future of financial technology in Australia. The report utilizes data from the historical period (2019-2024) and forecasts market performance until 2033, presenting a robust understanding of this dynamic sector valued in the billions. Key Search Terms: Australia Fintech Market, Australian Fintech, Fintech Australia, Digital Lending Australia, Online Payments Australia, Fintech Investment Australia, Australian Fintech Regulations, Fintech Market Size Australia, Fintech Trends Australia Recent developments include: March 2023: Financial platform Airwallex secured a payment business license in China, following the successful acquisition of a 100% stake in Guangzhou Shang Wu Tong Network Technology Co., Ltd., an information and online payment services company., February 2023: Fintech Zeller took on the big four banks to offer financial services to the small business sector, launching a new transaction account, debit card, and app.. Notable trends are: Digital ID Framework Witnessing Growth in Australia Fintech Market.

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