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 six percent. In comparison, the average investor interest rate was approximately 6.3 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 six percent for owner-occupiers and 6.2 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.

Households: Housing Finance: sa: New Loan Commitments: First Home Buyers: Owner Occupier data was reported at 4,209.500 AUD mn in Mar 2020. This records an increase from the previous number of 4,106.700 AUD mn for Feb 2020. Households: Housing Finance: sa: New Loan Commitments: First Home Buyers: Owner Occupier data is updated monthly, averaging 2,439.100 AUD mn from Jul 2002 (Median) to Mar 2020, with 213 observations. The data reached an all-time high of 5,214.000 AUD mn in Apr 2009 and a record low of 1,260.000 AUD mn in Feb 2004. Households: Housing Finance: sa: New Loan Commitments: First Home Buyers: Owner Occupier 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.

Mortgage Rate in Australia remained unchanged at 5.50 percent in January. This dataset includes a chart with historical data for Australia Mortgage Rate.

Australia Households: Housing Finance: Trend: New Loan Commitments: Owner Occupier: First Home Buyers data was reported at 4,130.600 AUD mn in Feb 2020. This records an increase from the previous number of 4,061.700 AUD mn for Jan 2020. Australia Households: Housing Finance: Trend: New Loan Commitments: Owner Occupier: First Home Buyers data is updated monthly, averaging 2,452.850 AUD mn from Jul 2002 (Median) to Feb 2020, with 212 observations. The data reached an all-time high of 5,073.400 AUD mn in Apr 2009 and a record low of 1,300.600 AUD mn in Feb 2004. Australia Households: Housing Finance: Trend: New Loan Commitments: Owner Occupier: First Home Buyers 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.

In the year ended December 2024, the number of new housing loan commitments to owner occupiers in Australia came to just over 322,270. This marked an increase in the number of new loan commitments to owner occupiers from the previous year.

Households: Housing Finance: New Loan Commitments: First Home Buyers: Investor data was reported at 202.400 AUD mn in Mar 2020. This records an increase from the previous number of 180.500 AUD mn for Feb 2020. Households: Housing Finance: New Loan Commitments: First Home Buyers: Investor data is updated monthly, averaging 262.700 AUD mn from Jul 2019 (Median) to Mar 2020, with 9 observations. The data reached an all-time high of 273.900 AUD mn in Dec 2019 and a record low of 180.500 AUD mn in Feb 2020. Households: Housing Finance: New Loan Commitments: First Home Buyers: Investor 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.

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

LGA based data for Weekly Household Income by Monthly Housing Loan Repayment, in Basic Community Profile, 1996 Census. Count of occupied private dwellings which are being purchased. The data is by …Show full descriptionLGA based data for Weekly Household Income by Monthly Housing Loan Repayment, in Basic Community Profile, 1996 Census. Count of occupied private dwellings which are being purchased. The data is by LGA 1996 boundaries. Periodicity: 5-Yearly. This data is ABS data (geographic boundary cat. no. 1261.0.30.001 & census dictionary cat. no. 2901.0) used with permission from the Australian Bureau of Statistics. For more information visit the ABS . Copyright attribution: Government of the Commonwealth of Australia - Australian Bureau of Statistics, (2000): ; accessed from AURIN on 12/3/2020. Licence type: Creative Commons Attribution 2.5 Australia (CC BY 2.5 AU)

In the 2025 financial year, the total value of the Commonwealth Bank of Australia's home loan lending rose to approximately ***** billion Australian dollars. CommBank is currently the largest Australian bank in terms of market capitalization, with a presence in New Zealand, Asia, the United States, and the United Kingdom.

Households: Housing Finance: New Loan Commitments: Total Housing Excl Refinancing: Investor: Major Banks data was reported at 3,546.200 AUD mn in Mar 2020. This records an increase from the previous number of 3,135.300 AUD mn for Feb 2020. Households: Housing Finance: New Loan Commitments: Total Housing Excl Refinancing: Investor: Major Banks data is updated monthly, averaging 3,880.200 AUD mn from Jul 2019 (Median) to Mar 2020, with 9 observations. The data reached an all-time high of 4,237.000 AUD mn in Dec 2019 and a record low of 3,135.300 AUD mn in Feb 2020. Households: Housing Finance: New Loan Commitments: Total Housing Excl Refinancing: Investor: Major Banks 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.

The benchmark interest rate in Australia was last recorded at 4.10 percent. This dataset provides - Australia Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

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.

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.

Households: Housing Finance: New Loan Commitments: Total Housing Excl Refinancing: Major Banks data was reported at 13,295.300 AUD mn in Mar 2020. This records an increase from the previous number of 11,457.600 AUD mn for Feb 2020. Households: Housing Finance: New Loan Commitments: Total Housing Excl Refinancing: Major Banks data is updated monthly, averaging 13,287.500 AUD mn from Jul 2019 (Median) to Mar 2020, with 9 observations. The data reached an all-time high of 14,795.300 AUD mn in Dec 2019 and a record low of 11,457.600 AUD mn in Feb 2020. Households: Housing Finance: New Loan Commitments: Total Housing Excl Refinancing: Major Banks 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.

Mortgage credit, billion currency units in Australia, March, 2025 The most recent value is 2273.5 billion Australian Dollar as of March 2025, an increase compared to the previous value of 2263.58 billion Australian Dollar. Historically, the average for Australia from January 1990 to March 2025 is 847.69 billion Australian Dollar. The minimum of 60.28 billion Australian Dollar was recorded in January 1990, while the maximum of 2273.5 billion Australian Dollar was reached in March 2025. | TheGlobalEconomy.com

In financial year 2024, the total value of National Australia Bank's home loan lending rose to approximately *** billion Australian dollars. National Australia Bank (NAB) is one of Australia's big four banks in terms of market capitalization alongside the Commonwealth Bank of Australia (CBA), Westpac, and the ANZ Bank.

Households: Housing Finance: New Loan Commitments: Total Housing Excl Refinancing: Owner Occupier: Major Banks data was reported at 9,749.100 AUD mn in Mar 2020. This records an increase from the previous number of 8,322.300 AUD mn for Feb 2020. Households: Housing Finance: New Loan Commitments: Total Housing Excl Refinancing: Owner Occupier: Major Banks data is updated monthly, averaging 9,210.400 AUD mn from Jul 2019 (Median) to Mar 2020, with 9 observations. The data reached an all-time high of 10,558.400 AUD mn in Dec 2019 and a record low of 8,322.300 AUD mn in Feb 2020. Households: Housing Finance: New Loan Commitments: Total Housing Excl Refinancing: Owner Occupier: Major Banks 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.

In the year ended December 2024, the number of new housing loan commitments to investors in Australia came to just over 192,800. This marked an increase in the number of new loan commitments to investors from the previous year.