Finance Australia :: News
SHARE

Share this news item!

Australian Mortgage Market Hits Record $2.41 Trillion

Rising Property Prices Drive Unprecedented Growth in Home Loans

Australian Mortgage Market Hits 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.

The Australian mortgage market has reached a new milestone, with the total value of residential mortgages climbing to $2.41 trillion in November 2025.
This growth is largely attributed to escalating property prices and a surge in lending activity.

According to the latest data from the Australian Prudential Regulation Authority (APRA), the mortgage market experienced a monthly increase of 0.67% and an annual growth of 6.36%. Commonwealth Bank of Australia (CBA) led this expansion, adding $4.6 billion to its mortgage portfolio in November, marking a 0.76% increase. Macquarie Bank also demonstrated significant growth, with a 2.32% monthly rise, contributing to an impressive annual increase of nearly 24%.

The upward trajectory in home loans is closely linked to the rise in property values. Cotality's Home Value Index reported an 8.6% increase in 2025, the most substantial annual growth since 2021. This trend suggests that despite potential interest rate hikes in 2026, strong demand and limited housing supply are likely to sustain property price increases.

Projections indicate that the median house price in Sydney could rise by over $79,000 throughout 2026. Similarly, median house prices in Perth and Adelaide are expected to surpass the $1 million mark if current growth patterns persist.

For homeowners and prospective buyers, these developments underscore the importance of staying informed about market trends and considering financial strategies to manage mortgage commitments effectively. Exploring options such as debt consolidation loans may provide a pathway to streamline repayments and potentially reduce overall interest costs.

Published:Thursday, 29th Jan 2026
Source: Paige Estritori

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

Share this news item:

Finance News

Australian Mortgage Market Hits Record $2.41 Trillion
Australian Mortgage Market Hits Record $2.41 Trillion
29 Jan 2026: Paige Estritori
The Australian mortgage market has reached a new milestone, with the total value of residential mortgages climbing to $2.41 trillion in November 2025. This growth is largely attributed to escalating property prices and a surge in lending activity. - read more
Housing Expenses Lead Australians' Financial Worries in 2026
Housing Expenses Lead Australians' Financial Worries in 2026
29 Jan 2026: Paige Estritori
As Australians step into 2026, housing costs have emerged as the foremost financial concern, overshadowing other cost-of-living pressures. The latest Canstar Consumer Pulse Report reveals that 22% of respondents identified mortgage and rent expenses as their primary financial stressor, more than doubling the figure from five years ago. - read more
NAB Raises Fixed Mortgage Rates in Response to Expected Cash Rate Hikes
NAB Raises Fixed Mortgage Rates in Response to Expected Cash Rate Hikes
29 Jan 2026: Paige Estritori
National Australia Bank (NAB) has recently increased its fixed mortgage rates by up to 0.40 percentage points, signaling expectations of forthcoming cash rate hikes in 2026. This move aligns with actions taken by other major lenders, reflecting a broader anticipation of rising interest rates. - read more


Finance Articles

The Ultimate Cheat Sheet for Aussie Borrowers: Top Loan Comparison Strategies
The Ultimate Cheat Sheet for Aussie Borrowers: Top Loan Comparison Strategies
In the dynamic world of Australian finance, securing a loan can be a pivotal move for individuals seeking to achieve their financial goals. Whether it's for purchasing a dream home, expanding a business, or simply consolidating debt, the importance of smart loan comparison cannot be overstated. With an array of lending products available, borrowers are often faced with a bewildering choice. That's why equipping yourself with powerful loan comparison strategies is not just important, it's essential. - read more
The Role of Business Insurance in Protecting Your Australian Enterprise
The Role of Business Insurance in Protecting Your Australian Enterprise
Starting and running a business in Australia can be an exhilarating experience, full of opportunities for growth and success. However, it also comes with its fair share of risks and uncertainties. From unexpected natural disasters to potential legal disputes, the threats to the sustainability of a business are ever-present. This is where business insurance becomes pivotal as a protective tool for Australian enterprises. It provides the much-needed safety net to help businesses mitigate potential losses and continue operations with confidence. - read more
How Your Credit Rating Impacts Your Loan Options: What You Need to Know
How Your Credit Rating Impacts Your Loan Options: What You Need to Know
A credit rating is essentially a numerical representation of your financial trustworthiness. It's like a report card for your creditworthiness, where higher scores indicate better financial habits. Lenders and financial institutions scrutinize this score when you apply for credit, serving as a primary factor in approving or denying loan applications. - read more


Free Loan Eligibility Assessment

Loan Amount:
Postcode:

All quotes are provided free and without obligation by a specialist from our national broker referral panel. See our privacy statement for more details.


Knowledgebase
Bull Market:
A market condition where the prices of securities are rising, or are expected to rise.