Interest Rates Are Falling. Mortgage Brokers Are Rising. And Borrowers Are Winning.

 


💥 Interest Rates Are Falling. Mortgage Brokers Are Rising. And Borrowers Are Winning. 💥
🏡 More Aussies Than Ever Are Choosing Smarter Lending Solutions. Are You?

Written by The Aussie Lending Lounge – Powered by Loans AU
Published: 4 June 2025

2025 has kicked off with powerful shifts in both interest rates and borrower behaviour. With two Reserve Bank of Australia (RBA) cash rate cuts already this year and mortgage brokers hitting an all-time high in market share, the signs are clear:
👉 Now is the time to act.

At Loans AU, we’re seeing it firsthand – increased enquiries, stronger competition between lenders, and more Aussies turning to brokers for smarter, personalised advice. Let’s break down the trends you need to know right now.

🔻 Interest Rates: What’s Happening Now?

The RBA has already implemented two 25 basis point (bp) cuts this year – one in February and another in May – lowering the cost of borrowing and offering a glimmer of relief to homeowners and property buyers.

Here’s what the big banks are forecasting:

  • ANZ: More cuts in August 2025 and February 2026, landing at 3.35%

  • NAB: Larger drops (50bp in September, 25bp in December), reaching 3.10%

  • Westpac: Predicts cuts in August and November to hit 3.35%

  • CBA: A steady pace of quarterly cuts down to 3.35% by year-end

While the RBA hinted at the possibility of a larger 50bp cut in May, the board opted for a more cautious 25bp reduction. The next rate call is set for 8 July 2025 – and the market expects another 25bp cut.

📈 Mortgage Brokers Hit Record 76.8% Market Share

According to the MFAA (Mortgage & Finance Association of Australia), mortgage brokers are now more relevant than ever:

✅ 76.8% of new home loans are written by brokers – a new all-time high
✅ That’s a $99.37 billion share in settled loans – up 21.97% from last year
✅ A 2.7% rise in market share compared to March 2024

MFAA CEO Anja Pannek attributes this to rising demand for expert guidance and lender choice:

“Since the RBA’s interest rate cut in February, our members have been reporting increased levels of activity across all borrower types – refinancing, investing, and first-home buying.”

🚫 Broker Criticism? The Industry Pushes Back

Recent commentary in the Financial Review questioned broker commissions, suggesting direct lending could cut consumer costs. But industry leaders weren’t having it.

Mortgage Choice CEO Anthony Waldron countered:

“Now that we’ve seen another cash rate cut, brokers’ advice and expertise will be essential in navigating an increasingly competitive lending market.”

Even banks have reaffirmed their commitment to brokers as a core part of their growth strategy.

🧭 What Does It Mean For You?

Whether you're looking to refinance, invest, or buy your first home, the message is clear:
👉 Partner with a broker who can navigate the new rate environment and put your best interests first.

Why choose a mortgage broker now?

  • Access to over 100+ lenders and thousands of products

  • Customised loan strategies for your unique goals

  • Best Interests Duty legal protection – brokers must act in your favour, not the banks’

📣 The Time to Act Is Now

With interest rates on the move and lenders aggressively competing for business, this is a golden window for borrowers. Let Loans AU help you take full advantage of it.

✅ Contact Us Today for a Free Loan Strategy Session:

📱 WhatsApp Us Instantly: Click here to chat
📧 Email: team@loansau.com
📍 Office: 3510/1 Brushbox Street, Sydney Olympic Park NSW 2127
🌐 Website: www.loansau.com
📞 Call: 0413 360 888

Loans AU – Smarter Lending. Real Results.
Written by The Aussie Lending Lounge – Your Trusted Source for Finance & Mortgage Insights

#mortgagebroker #cashrate2025 #RBAcut #LoansAU #financebrokersydney #homeloans #refinance #investing #firsthomebuyer

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