Source: Oz Property Insights
The December 2025 quarter Lending Indicators data showed that new lending was up strongly over the quarter with lending to first home buyers leading the charge as government first home buyer incentives went live.
The overall number of new loans was 5.1% higher over the quarter which was slightly lower than the 5.7% increase in the September 2025 quarter. The total value of new loans rose 9.5% over the quarter which was also lower than the 10.9% rise in the September quarter.
The difference was that in the September 2025 quarter it was investors leading the growth while in the December 2025 quarter, owner-occupier first home buyers recorded the largest increase in the volume and value of new loans.
It’s clear that many first home buyers were awaiting the Home Guarantee Scheme to go live and were only too happy to put down a 5% deposit and avoid lenders’ mortgage insurance.
First home buyer volumes
Over the December 2025 quarter there were 31,783 new loans to owner-occupier first home buyers which was the largest volume since March 2022, it was also 6.8% higher over the quarter and 9.1% higher than December 2024.
It was the largest quarterly growth in first home buyer lending volumes since December 2023 and the largest annual rise in the volume of first home buyer lending since December 2023.
The December 2025 quarter saw $19.310 billion in lending to first home buyers which was the highest value since March 2021.
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