Australia Q4 Home Loans Hit Record Peak

2026-02-11 00:44 By Farida Husna 1 min. read

The value of new owner-occupier loan commitments for dwellings in Australia jumped 10.6% quarter-on-quarter to a record high of AUD 65.3 billion in Q4 2025, accelerating from an upwardly revised 6.2% gain in the previous quarter.

First-home buyer demand jumped 15.5%, marking the sharpest rise in two years after subdued performance in Q3.

At the same time, demand from non–first-home buyers continued to grow (6.5% vs 6.5%).

On an annual basis, owner-occupier lending jumped 9.8%.

Meanwhile, investment lending for housing grew 7.9% to AUD 43.0 billion, slowing sharply from a downwardly revised 9.2% increase in the prior period.

Year-on-year, investment loan values surged 31.8%.



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Australia Q4 Home Loans Hit Record Peak
The value of new owner-occupier loan commitments for dwellings in Australia jumped 10.6% quarter-on-quarter to a record high of AUD 65.3 billion in Q4 2025, accelerating from an upwardly revised 6.2% gain in the previous quarter. First-home buyer demand jumped 15.5%, marking the sharpest rise in two years after subdued performance in Q3. At the same time, demand from non–first-home buyers continued to grow (6.5% vs 6.5%). On an annual basis, owner-occupier lending jumped 9.8%. Meanwhile, investment lending for housing grew 7.9% to AUD 43.0 billion, slowing sharply from a downwardly revised 9.2% increase in the prior period. Year-on-year, investment loan values surged 31.8%.
2026-02-11
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The value of new owner-occupier loan commitments for dwellings in Australia rose 4.7% quarter-on-quarter to a 3-1/2-year high of AUD 58.2 billion in Q3 2025, accelerating from a downwardly revised 2.2% gain in the previous quarter. Growth was driven by stronger demand among non–first-home buyers (6.2% vs 4.7% in Q2), while lending to first-home buyers slowed sharply (up 1.1% vs 5.5%). On an annual basis, owner-occupier lending jumped 9.8%. Meanwhile, investment lending for housing soared 17.6% to AUD 39.8 billion in Q3, sharply picking up from an upwardly revised 2.6% increase in the prior period. Year-on-year, investment loan values surged 18.7%.
2025-11-12
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The value of new owner-occupier loan commitments for dwellings in Australia rose 2.4% quarter-on-quarter to AUD 54.7 billion in Q2 2025, rebounding from a downwardly revised 1.8% decline in Q1. The recovery was driven by gains in both first-home buyer loans (5.7% vs -3.0% in Q1) and non-first-home buyer loans (4.4% vs 1.4%). On an annual basis, owner-occupier lending surged 7.4%. Meanwhile, investment lending for homes increased 1.4% to AUD 32.9 billion, improving from an upwardly revised flat reading in the previous quarter. Year-on-year, investment loan values rose 6.9%.
2025-08-13