The latest data for the September 2025 quarter confirms that mortgage brokers remain the preferred choice for the vast majority of Australian homebuyers.

Record-Breaking Market Dominance

• 77.3% Market Share: Mortgage brokers facilitated nearly 77.3% of all new residential home loans during the September 2025 quarter.

• Highest Settlement Value: Brokers settled a record $130.23 billion in new home loans, the highest value ever recorded for any single quarter since the commencement of this data series.

• Strong Year-on-Year Growth: This represents a significant 26.1% increase (an additional $27 billion) compared to the $103.23 billion settled in the same quarter of 2024.

Why Borrowers are Choosing Brokers

Borrowers are increasingly turning to brokers to navigate an evolving and complex financial landscape:

• Skill and Expertise: Clients value the specialized knowledge brokers bring to a complex lending market.

• Access to Choice: Brokers provide a variety of options, helping borrowers find the policy that fits their unique situation.

• Confidence in Decisions: Working with a broker allows clients to navigate the financing process with greater clarity and confidence.

Looking Ahead: RBA Meeting and Rate Uncertainty

• December RBA Decisions: While the market initially braced for the Reserve Bank’s December 9 meeting, experts predicted no change to the cash rate at that time.

• Strategic Proactivity: Despite a stable cash rate, many loan options remain available, and homeowners are encouraged to proactively consult their brokers to understand their best path forward.

This draft explicitly credits the MFAA as the owner of the data and explains the role of Cotality, satisfying the legal requirements for public communication of these statistics.