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Susan Thorp, Professor and Head of the Department of Banking and Finance, Monash University

A record 82% of Australian home loans now rely on mortgage brokers. Why?

Mortgages
Nenyasha Manzvera/Pexels, CC BY

Australians are becoming increasingly reliant on mortgage brokers for home loans. Brokers arranged a record 81.6% of all new and refinanced home loans in the latest June 2026 figures – up from 50.1% in June 2016.

An industry-commissioned report, released in late September, found mortgage brokers arranged 838,815 residential home loans in 2025. That was up 122,800 loans, or 17.2%, on the year before.

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