Home Loans in Australia increased to 58228.60 AUD Million in the third quarter of 2025 from 55597.40 AUD Million in the second quarter of 2025. This dataset provides - Australia Home Loans- actual values, historical data, forecast, chart, statistics, economic calendar and news.

As of the end of March 2025, the average mortgage interest rate for Australian owner-occupier borrowers was around *** percent. In comparison, the average investor interest rate was approximately *** percent. These rates refer to outstanding housing loans from banks and registered financial corporations. New loans financed in that month had even similar interest rates, at *** percent for owner-occupiers and *** percent for investors, respectively.

As of November 2024, the average owner-occupier home loan interest rate was the highest in the Australian state of Western Australia, with an average rate of around **** percent. In comparison, the average mortgage interest rate in Victoria was at around **** percent.

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.

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.

In recent years, the value of mortgage debt outstanding in Australia has been growing for both owner-occupied and investment housing. As of December 2024, the mortgage debt secured on owner-occupier housing amounted to over *** trillion Australian dollars. In comparison, in December 2011, borrowers owed roughly *** billion Australian dollars.

Australia Households: Housing Finance: Trend: New Loan Commitments: Owner Occupier: First Home Buyers: New South Wales data was reported at 1,221.200 AUD mn in Feb 2020. This records an increase from the previous number of 1,182.300 AUD mn for Jan 2020. Australia Households: Housing Finance: Trend: New Loan Commitments: Owner Occupier: First Home Buyers: New South Wales data is updated monthly, averaging 638.850 AUD mn from Jul 2002 (Median) to Feb 2020, with 212 observations. The data reached an all-time high of 1,590.800 AUD mn in Apr 2009 and a record low of 432.500 AUD mn in Feb 2004. Australia Households: Housing Finance: Trend: New Loan Commitments: Owner Occupier: First Home Buyers: New South Wales data remains active status in CEIC and is reported by Australian Bureau of Statistics. The data is categorized under Global Database’s Australia – Table AU.KB010: Lending Indicators: Economic and Financial Statistics (EFS) Collection: Housing Finance: First Home Buyers.

Comprehensive lending indicators including investor loans, first home buyers, refinancing activity, and regional loan size variations across Australia for June Quarter 2025

Households: Housing Finance: sa: New Loan Commitments: Total Housing Excl Refinancing data was reported at 19,444.500 AUD mn in Mar 2020. This records an increase from the previous number of 19,409.100 AUD mn for Feb 2020. Households: Housing Finance: sa: New Loan Commitments: Total Housing Excl Refinancing data is updated monthly, averaging 16,045.000 AUD mn from Jul 2002 (Median) to Mar 2020, with 213 observations. The data reached an all-time high of 22,822.600 AUD mn in Mar 2017 and a record low of 9,969.200 AUD mn in Aug 2002. Households: Housing Finance: sa: New Loan Commitments: Total Housing Excl Refinancing data remains active status in CEIC and is reported by Australian Bureau of Statistics. The data is categorized under Global Database’s Australia – Table AU.KB007: Lending Indicators: Economic and Financial Statistics (EFS) Collection: Housing Finance.

Australia Households: Housing Finance: Trend: New Loan Commitments: Owner Occupier: First Home Buyers: No: Queensland data was reported at 1,934.000 Number in Feb 2020. This records an increase from the previous number of 1,890.000 Number for Jan 2020. Australia Households: Housing Finance: Trend: New Loan Commitments: Owner Occupier: First Home Buyers: No: Queensland data is updated monthly, averaging 1,684.000 Number from Jul 2002 (Median) to Feb 2020, with 212 observations. The data reached an all-time high of 3,562.000 Number in Apr 2009 and a record low of 1,178.000 Number in Jun 2010. Australia Households: Housing Finance: Trend: New Loan Commitments: Owner Occupier: First Home Buyers: No: Queensland data remains active status in CEIC and is reported by Australian Bureau of Statistics. The data is categorized under Global Database’s Australia – Table AU.KB010: Lending Indicators: Economic and Financial Statistics (EFS) Collection: Housing Finance: First Home Buyers.

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

Investment Lending for Homes in Australia increased to 39776.50 AUD Million in the third quarter of 2025 from 33816 AUD Million in the second quarter of 2025. This dataset includes a chart with historical data for Australia Investment Lending For Homes.

In 2024, the number of new home loan commitments to owner occupiers in Victoria, Australia came to just over 93,600. In comparison, in Tasmania, the number of new loan commitments to owner occupiers amounted to approximately 5,990.

This dataset provides values for 30 YEAR MORTGAGE RATE reported in several countries. The data includes current values, previous releases, historical highs and record lows, release frequency, reported unit and currency.

Households: Housing Finance: sa: New Loan Commitments: Owner Occupier: First Home Buyers: Australian Capital Territory data was reported at 104.900 AUD mn in Mar 2020. This records a decrease from the previous number of 105.700 AUD mn for Feb 2020. Households: Housing Finance: sa: New Loan Commitments: Owner Occupier: First Home Buyers: Australian Capital Territory data is updated monthly, averaging 45.300 AUD mn from Jul 2002 (Median) to Mar 2020, with 213 observations. The data reached an all-time high of 110.700 AUD mn in Jun 2009 and a record low of 15.400 AUD mn in Mar 2004. Households: Housing Finance: sa: New Loan Commitments: Owner Occupier: First Home Buyers: Australian Capital Territory data remains active status in CEIC and is reported by Australian Bureau of Statistics. The data is categorized under Global Database’s Australia – Table AU.KB010: Lending Indicators: Economic and Financial Statistics (EFS) Collection: Housing Finance: First Home Buyers.

Mortgage credit interest rate, percent in Australia, September, 2025 The most recent value is 6.7 percent as of September 2025, a decline compared to the previous value of 6.71 percent. Historically, the average for Australia from January 2000 to September 2025 is 6.22 percent. The minimum of 3.64 percent was recorded in August 2021, while the maximum of 9.32 percent was reached in July 2008. | TheGlobalEconomy.com

The 1991 Census Basic Community profiles present 57 tables containing summary characteristics of persons and/or dwellings for Statistical Local Areas (SLA) in Australia. This table contains data relating to monthly housing loan repayment by dwelling type. Counts are of occupied private dwellings which are being purchased, based on place of enumeration on census night which; includes overseas visitors; excludes Australians overseas; and excludes adjustment for under-enumeration. The data is by SLA 1991 boundaries. Periodicity: 5-Yearly. This data is ABS data (cat. no. 2101.0 & original geographic boundary cat. no. 1261.0.30.001) used with permission from the Australian Bureau of Statistics. The tabular data was processed and supplied to AURIN by the Australian Data Archives. The cleaned, high resolution 1991 geographic boundaries are available from data.gov.au. For more information please refer to the 1991 Census Dictionary.

Comprehensive dataset of Australian property market metrics including average home loan sizes, borrowing capacity calculations by income level, historical cash rate impact on borrowing capacity, state-level property prices, growth rates, and affordability ratios. Data sourced from Australian Bureau of Statistics (ABS), APRA, and RBA.

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.

Households: Housing Finance: Trend: New Loan Commitments: Owner Occupier: First Home Buyers: No: South Australia data was reported at 545.000 Number in Feb 2020. This records an increase from the previous number of 542.000 Number for Jan 2020. Households: Housing Finance: Trend: New Loan Commitments: Owner Occupier: First Home Buyers: No: South Australia data is updated monthly, averaging 516.500 Number from Jul 2002 (Median) to Feb 2020, with 212 observations. The data reached an all-time high of 1,203.000 Number in May 2009 and a record low of 399.000 Number in May 2011. Households: Housing Finance: Trend: New Loan Commitments: Owner Occupier: First Home Buyers: No: South Australia data remains active status in CEIC and is reported by Australian Bureau of Statistics. The data is categorized under Global Database’s Australia – Table AU.KB010: Lending Indicators: Economic and Financial Statistics (EFS) Collection: Housing Finance: First Home Buyers.