New data from the Mortgage & Finance Association of Australia (MFAA) has revealed that mortgage brokers have set a historic record — facilitating 76.7% of all new residential home loans in Australia during the December 2025 quarter. This is the highest market share ever recorded in any December quarter since the MFAA began tracking this data in 2013.
What the Numbers Tell Us
- 76.7% of all new home loans were arranged through a mortgage broker — the highest December quarter on record.
- Brokers settled $142.20 billion in new home loans — up 9.2% on the September quarter.
- Year-on-year, broker-facilitated lending surged by 23.6%, from $115.05 billion in December 2024 to $142.20 billion in December 2025.
- The result is 4.9 percentage points higher than December 2023, showing a consistent upward trend.
Why Are More Australians Choosing Mortgage Brokers?
MFAA CEO Anja Pannek said: “Today’s lending environment presents borrowers with a broad array of lenders, products and information. The key question is not simply price, but which lender and product genuinely fits their circumstances.”
- Choice — Brokers compare products from a wide panel of lenders, giving you access to competitive choices.
- Personalised assistance — A broker tailors the right home loan to your specific needs and circumstances.
- Complexity management — With hundreds of lenders and products available, a broker does the legwork for you.
- Guidance from start to settlement — Your broker walks you through every step of the process.
- No cost to you — In most cases, the lender pays the broker’s commission.
What This Means for Home Buyers and Investors
Whether you are a first home buyer, investor, or existing borrower exploring refinancing, working with an experienced mortgage broker gives you an edge in today’s competitive market. With the RBA cash rate affecting borrowing costs and lender policies constantly evolving, having a knowledgeable professional ensures you make an informed decision.
Finance Hub and Networks — Here to Help
At Finance Hub and Networks, we stay up to date with the latest lender policies, rate changes, and market trends. Our goal: help you find the right home loan for your needs and guide you every step of the way.
Need personalised assistance?
Contact Daniel Nguyen, Mortgage Broker at Finance Hub and Networks.
📞 0430 11 11 88
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