Australian Home Loan & Mortgage Broking Market Update – June 2025

🏡 Australian Home Loan & Mortgage Broking Market Update – June 2025

Brought to you by The Aussie Lending Lounge | Powered by Loans AU

As we reach mid‑2025, Australia’s home loan market is evolving rapidly. Whether you're contemplating your first home purchase, refinancing, or expanding your property portfolio, it’s vital to stay across the latest developments. Here's everything you need to know.

🔍 1. Interest Rates & Refinancing: Borrower Insights

  • Average variable rate: ~5.8% across owner-occupier home loans.
  • Top deals: Rates as low as 5.24%, with refinancing offers around 5.3–5.5%.
  • Refinancing potential: Borrowers may save $50,000+ on a $600,000 loan at lower rates—caution with extended terms.

Stay alert for RBA rate cuts later in 2025. Always assess refinance costs and loan term impacts.

🏛 2. Federal Credit Policy & Regulation You Should Know

  • HELP debt reform: From 30 Sept 2025, HELP debts will no longer affect borrowing capacity.
  • BNPL regulation: From 10 June 2025, Buy Now Pay Later lenders must conduct credit checks and report liabilities to bureaus.

📍 3. State Spotlight: QLD & WA Homebuyer Initiatives

✅ Queensland: Adding Space to Your Budget

  • Stamp duty scrapped for new homes or land for first-home buyers from 1 May 2025.
  • Estimated savings up to $24,000+.
  • Buyers can rent out a room in the first 12 months without penalty.

✅ Western Australia: Multi-Pronged Support

  • Stamp duty exemption up to $500,000 (concessions up to $700,000 metro / $750,000 regional).
  • Vacant land exemption up to $350,000.
  • Keystart updates: Modular loans + $210M shared equity program (up to 35% WA Gov equity support).

🧑‍💼 4. Broker Market Share & Industry Insight

  • Brokers handled 76% of home loans (Dec 2024) and 73% in Q1 2025.
  • Loans AU works with 100+ lenders, from banks to private funders.

📣 5. Industry Recognition & Events

  • 2025 Australian Mortgage Awards: Nominations close 4 July, event on 17 October in Sydney.
  • MFAA Excellence Awards: Honouring top-performing brokers nationwide.

💡 Final Takeaways from Loans AU

QLD and WA governments are leading the way in housing affordability:

  • QLD: Stamp duty abolished for first-home buyers on new builds or land.
  • WA: Comprehensive stamp duty relief + innovative shared equity options.

Whether you're buying, refinancing, or investing, the team at Loans AU is ready to help you leverage these opportunities.


📞 Ready to Explore Your Options?

Loans AU – The Aussie Lending Lounge

📍 3510/1 Brushbox Street, Sydney Olympic Park NSW 2127

📱 Call us: 0413 360 888

🌐 Apply online

💬 Chat with us on WhatsApp

Written by: The Aussie Lending Lounge Team
Stay informed. Stay ahead. Stay financially empowered.

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