A HOME LOAN FACILITATED THROUGH A MORTGAGE BROKER EVERY 38 SECONDS

A residential home loan was facilitated through a mortgage broker approximately every 38 seconds during 2025, with mortgage brokers settling 838,815 home loans over the year.

The finding, revealed in the inaugural State of Mortgage & Finance Broking Report 2026, commissioned by the Mortgage & Finance Association of Australia (MFAA), demonstrates the scale of Australians choosing mortgage brokers to help them navigate their home lending decisions.

The report found mortgage brokers settled 838,815 residential home loans during 2025, an increase of approximately 122,800 loans, or 17.2%, compared with the previous year.

The value of those settlements reached $495.55 billion, an increase of $94.34 billion, or 23.5%. Home loan applications also increased strongly. Within a matched sample of eight participating aggregators, 911,150 applications were lodged during 2025, up 18.4% on the previous year.

The growth was broad based, with residential settlement volumes increasing across every jurisdiction with valid year on year coverage and applications increasing across every state and territory.

MFAA CEO Anja Pannek said behind the scale of the numbers were hundreds of thousands of Australians making significant financial decisions.

“Every 38 seconds during 2025, a mortgage broker helped an Australian take an important step towards buying a home, refinancing or investing in property,” Ms Pannek said.

“That is an extraordinary reflection of the role mortgage brokers now play in helping Australians navigate the home lending market.

“Behind every one of those 838,815 home loans is a person or family making a significant financial decision. They want to understand what is possible for them, what their options are and what those options mean for their individual circumstances.

“Mortgage brokers help their clients navigate different lenders, products and credit policies and make informed decisions with greater clarity and confidence.

“These figures demonstrate the trust Australians continue to place in mortgage brokers and the significant contribution our industry makes to home ownership and property investment across the country.”

Ms Pannek said the growth also reinforced the responsibility that came with supporting Australians through important financial decisions.

“As our industry continues to grow, maintaining that trust is critical. Every client should receive high quality guidance and support focused on their individual needs and circumstances.”

The report also found the broker originated residential loan book grew by 11.0% to approximately $1.17 trillion during 2025.

The State of Mortgage & Finance Broking Report 2026 was commissioned by the MFAA, with analysis undertaken by Cotality, drawing principally on data supplied by nine participating MFAA aggregator member partners.

If you are not an MFAA member, please contact the MFAA at info@mfaa.com.au for a copy of the report. Members can find it in the Member Portal.