FX.co ★ Australia Q3 Home Loans Hit 3-1/2-Year High

In the third quarter of 2025, the value of new owner-occupier loan commitments for dwellings in Australia climbed by 4.7% quarter-on-quarter, reaching a three-and-a-half-year peak of AUD 58.2 billion. This marks an acceleration from a previously reported increase of 2.2% in the earlier quarter. The surge was primarily driven by heightened demand among non–first-home buyers, who saw a growth rate of 6.2% compared to 4.7% in the second quarter, while loans to first-home buyers experienced a significant slowdown, rising by only 1.1% compared to a 5.5% increase earlier. On a yearly basis, lending to owner-occupiers rose by 9.8%. Simultaneously, investment lending for housing saw a substantial rise, jumping 17.6% to AUD 39.8 billion in the third quarter—an impressive increase from the previously noted 2.6% growth. Year-over-year, the value of investment loans surged by 18.7%.