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Australian Mortgage Market Reaches Record $2.41 Trillion

November 2025 Sees Unprecedented Growth in Residential Mortgages

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 November 2025, Australia's mortgage market achieved a new milestone, with the total value of residential mortgages reaching $2.41 trillion.

This record-breaking figure reflects a 0.67% increase from the previous month and a 6.36% rise over the past year, as reported by the Australian Prudential Regulation Authority (APRA).

The sustained growth in the mortgage market can be attributed to several factors, including historically low interest rates, increased housing demand, and a robust economic environment. These elements have collectively contributed to heightened borrowing activity among Australians.

For prospective homebuyers and investors, this trend underscores the importance of staying informed about market dynamics and interest rate movements. Engaging with financial advisors and utilizing mortgage calculators can aid in making informed decisions aligned with individual financial goals.

In conclusion, the Australian mortgage market's ascent to $2.41 trillion highlights the sector's resilience and the ongoing confidence of borrowers. As the market continues to evolve, staying abreast of changes and seeking professional guidance will be crucial for navigating the complexities of housing finance.

Published:Tuesday, 10th Feb 2026
Author: Paige Estritori

Please Note: If this information affects you, seek advice from a licensed professional.

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Finance News

Surge in Investor Lending Triggers Regulatory Response

14 Mar 2026: Paige Estritori

In the third quarter of 2025, investor lending in Australia reached a record-breaking $72 billion, marking a 12% increase from the previous quarter. This surge has prompted the Australian Prudential Regulation Authority (APRA) to implement new measures to mitigate potential risks associated with high levels of investor borrowing. - read more

APRA's New Debt-to-Income Cap: What Borrowers Need to Know

14 Mar 2026: Paige Estritori

The Australian Prudential Regulation Authority (APRA) has announced a significant policy change aimed at mitigating risks in the housing market. Effective 1 February 2026, APRA will implement a cap on high debt-to-income (DTI) home loans, limiting banks to issuing no more than 20% of new home loans with DTI ratios of six times or higher. This measure applies to both owner-occupier and investor loans, excluding new housing developments. - read more

NAB Continues to Dominate Australia's Expanding Business Lending Market

06 Mar 2026: Paige Estritori

The Australian business lending landscape has witnessed significant growth, with the total lending to non-financial businesses reaching $1.2 trillion as of January 2026. This marks a 9.3% increase over the year and a substantial 53.9% rise compared to January 2020, according to the Australian Prudential Regulation Authority (APRA). - read more

Westpac's Bold Move: Prioritising Business Lending in New Strategy

06 Mar 2026: Paige Estritori

In a significant transformation, Westpac Banking Corporation is undertaking a strategic shift to bolster its presence in Australia's business lending sector. The bank plans to replace traditional in-branch tellers with dedicated bankers specialising in home and business lending. This move is part of a broader initiative to enhance customer service and streamline operations. - read more

The Rise of Non-Bank Lenders in Australia's SME Financing Landscape

06 Mar 2026: Paige Estritori

The Australian small and medium-sized enterprise (SME) sector is experiencing a notable shift in financing preferences, with non-bank lenders gaining significant traction. This trend is driven by SMEs seeking more flexible and accessible funding options to support their growth ambitions. - read more

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Comparing Loan Options in Australia: The Role of Loan Calculators

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