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Australian Mortgage Market Reaches Record $2.41 Trillion

November 2025 Sees Unprecedented Growth in Residential Mortgages

Australian Mortgage Market Reaches Record $2.41 Trillion?w=400

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
Source: Paige Estritori

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

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Finance News

Australian Mortgage Market Reaches Record $2.41 Trillion
Australian Mortgage Market Reaches Record $2.41 Trillion
10 Feb 2026: Paige Estritori
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). - read more
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The Australian mortgage market has witnessed a significant surge in refinancing activity, with nearly 100,000 loans refinanced in the June 2025 quarter. This marks the highest level since September 2023 and reflects homeowners' proactive responses to recent interest rate cuts by the Reserve Bank of Australia (RBA). - read more
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Recent data from the Reserve Bank of Australia (RBA) indicates a notable acceleration in both business and home lending, challenging earlier predictions of a potential slowdown. As of December 2024, business credit growth reached 8.9%, marking the highest rate since May 2023. Similarly, investor housing credit surged to 5.1%, achieving its highest rate since December 2022. - read more
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In a significant move to bolster support for small and medium-sized enterprises (SMEs) across Australia, Renown Lending has announced an expansion of its funding pool from $250 million to $400 million. This substantial increase aims to provide fast and flexible financing solutions to businesses nationwide, addressing the growing demand for accessible funding options. - read more


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