04/09/2026
🏠 Mortgage applications are falling — but that doesn’t mean you should put your plans on hold.
Recent figures show a significant slowdown in home loan applications across Australia.
Westpac reported a 20% drop, while CBA reported applications falling 15% and ANZ reported a 12% decline. Higher interest rates, affordability pressures, economic uncertainty and recent changes to property investment tax rules are all contributing to weaker demand. (Reuters)
But a quieter lending market doesn’t necessarily mean there aren’t opportunities.
This is where working with a mortgage broker can make a real difference.
Rather than simply going to your existing bank, a broker can help you:
🔹 Compare loan options across a range of lenders
🔹 Assess your borrowing capacity and what you can realistically afford
🔹 Identify competitive interest rates and loan structures
🔹 Explore options for refinancing or accessing equity
🔹 Understand government schemes and available lending options
🔹 Structure your loan around your short and long-term goals
With lending policies constantly changing, knowing which lender is the right fit for your circumstances can be just as important as finding a competitive rate.
Whether you’re looking to buy your first home, purchase an investment property, refinance, access equity or simply review your current loan, getting professional advice can help you make an informed decision.
📩 Thinking about your next move? Let’s have a conversation about your options.
