Westpac Economics
February 11, 2026
Australian Dwelling Finance Bulletin
Sector ReportMacro Economic IndicatorsReal EstateFinancialsReal Estate
Australian new dwelling finance values rose 9.5% in Q4 2025, reaching a record $65.3bn for owner-occupiers. This growth was primarily driven by first home buyers responding to the expanded 5% deposit guarantee scheme.
Key Takeaways
- 1.New housing finance values grew 9.5% in Q4, reaching an annual growth rate of 23.5%.
- 2.Owner-occupiers reached a record $65.3bn in new lending, largely driven by first home buyers.
- 3.The surge in first home buyer activity followed the introduction of an expanded 5% deposit guarantee scheme.
Table of Contents
- Key points
- Owner occupiers see a record rise in new lending
- Corporate Directory
- DISCLAIMER
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Authors
Neha Sharma
Themes
Government Housing Policy ImpactLending Market ResilienceStagnation in New Construction Finance
Regions
Asia PacificAustralia
