About Us

The Australian mortgage market is a significant part of the country’s financial sector, driven by high homeownership rates and robust demand for residential property. Most mortgages in Australia are offered with variable interest rates, though fixed-rate options are also available. The market is competitive, with both major banks and non-bank lenders offering a range of products. Regulatory bodies, such as the Australian Prudential Regulation Authority (APRA) and the Reserve Bank of Australia (RBA), play key roles in ensuring the stability of the mortgage sector. Recent years have seen tighter lending standards in response to housing affordability concerns and rising household debt levels.