According to the latest data from the Australian Prudential Regulation Authority (APRA), the mortgage market experienced a monthly increase of 0.67% and an annual growth of 6.36%. Commonwealth Bank of Australia (CBA) led this expansion, adding $4.6 billion to its mortgage portfolio in November, marking a 0.76% increase. Macquarie Bank also demonstrated significant growth, with a 2.32% monthly rise, contributing to an impressive annual increase of nearly 24%.
The upward trajectory in home loans is closely linked to the rise in property values. Cotality's Home Value Index reported an 8.6% increase in 2025, the most substantial annual growth since 2021. This trend suggests that despite potential interest rate hikes in 2026, strong demand and limited housing supply are likely to sustain property price increases.
Projections indicate that the median house price in Sydney could rise by over $79,000 throughout 2026. Similarly, median house prices in Perth and Adelaide are expected to surpass the $1 million mark if current growth patterns persist.
For homeowners and prospective buyers, these developments underscore the importance of staying informed about market trends and considering financial strategies to manage mortgage commitments effectively. Exploring options such as debt consolidation loans may provide a pathway to streamline repayments and potentially reduce overall interest costs.
Published: Thursday 29th January, 2026
Please Note: If this information affects you or is relevant to your circumstances, seek advice from a licensed professional.
