Australian Broker’s recent coverage on broker share and 2025 dynamics (rate cuts, investor momentum, tight supply).
Industry News
Mortgage Brokers Take a Bigger Slice of the Market — What It Means for 2025
Australian Broker reports that the mortgage broking channel continues to expand its share of new lending in 2025 as rate cuts, investor activity and a tight housing supply reshape demand. For brokers, this environment rewards smart structuring, crisp servicing, and fast execution.
What’s driving the lift
- Lower rates: Multiple rate cuts this year have boosted borrowing power and enquiry volume.
- Investor momentum: Investor lending has reached its highest share since 2017, supported by tight rental markets.
- Housing shortage: Low stock and strong competition are pushing more borrowers to seek broker guidance.
Implications for brokers
As broker share grows, so does the expectation for advice that cuts through complexity. Consider:
- Using Alt Doc and Full Doc pathways appropriately for self‑employed and complex income clients.
- Documenting NDI/DSCR and rental income quality to support servicing on commercial and mixed‑use scenarios.
- Positioning products by purpose — e.g., LoanOne Commercial (C02) where policy flexibility and up to 80% LVR are required.
LoanOne perspective: In a market that’s shifting toward brokers, the differentiator is execution — clean files, clear structures, and speed to settlement.
Further reading
Read the original coverage on Australian Broker for the latest industry context and data points.
