澳大利亚的房贷市场正经历显著转变。截至2026年6月，经纪人安排的新房贷和再融资贷款占比达到81.6%，创下历史新高，较十年前2016年6月的50.1%增长幅度超过30个百分点1。2025年期间，贷款经纪人共安排了838,815笔住宅房贷，较前年增长17.2%，增加了122,800笔1。这一趋势使澳大利亚成为全球仅有的三个经纪人安排房贷比例超过80%的国家，与英国和荷兰并列1。
银行基础设施萎缩是推动这一变化的重要因素。2017年至2023年间，澳大利亚关闭了超过2,100家银行分支机构，其中都市分支约占40%，地区分支约占35%1。随着消费者获取银行服务的便利性下降，对经纪人中介作用的依赖随之上升。
从服务能力看，经纪人通常通过聚合器平台获得平均23家贷款机构的贷款选项，而全国房贷机构总数超过100家1。经纪人的收入结构包括前期佣金约为借款金额的0.7%，以及后续约为未偿还贷款金额的0.15%1。目前澳大利亚官方现金利率为4.6%，这是2011年以来的最高水平1。
值得注意的是，虽然使用经纪人的借款人对自己选择的贷款更为自信，但研究表明他们对房贷的实际理解程度反而不如直接与贷款机构打交道的人1。
Mortgage brokers have reached an unprecedented share of Australia's home lending market, arranging 81.6% of new mortgages and refinancing loans as of June 2026, up sharply from 50.1% a decade earlier 1. This dramatic shift reflects structural changes in the banking sector and evolving borrower preferences, though research suggests borrowers relying on brokers may have a weaker understanding of their loans despite reporting greater confidence in their choice 1.
The expansion has been substantial in absolute terms as well. In 2025, brokers arranged 838,815 residential mortgages, representing a 17.2% year-on-year increase of 122,800 loans 1. Australia now ranks among only three countries globally—alongside the United Kingdom and the Netherlands—where brokers arrange more than 80% of mortgages 1.
Several factors have contributed to this trend. Over the period from 2017 to 2023, Australia closed more than 2,100 bank branches, eliminating approximately 40% of urban branches and 35% of regional branches 1. This reduction in direct banking access has pushed borrowers toward brokers as an alternative distribution channel. Brokers typically access an average of 23 lenders through aggregator platforms, though more than 100 mortgage providers operate nationally 1, offering them scope to shop across a competitive market. Brokers earn commissions of approximately 0.7% of the loan amount upfront, with ongoing commissions of about 0.15% on the outstanding balance 1. The lending environment has also been shaped by the official cash rate standing at 4.6%, the highest level since 2011 1.
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