Why More Australians Are Choosing Mortgage Brokers Than Ever Before

At Nest Mortgage Solutions, we’ve always believed in the value of personalised, client-first service - and it turns out more Australians are seeing the benefit too.

According to the latest data from the Mortgage & Finance Association of Australia (MFAA), mortgage brokers now write a record 77.6% of all new residential home loans. That’s the highest broker market share ever recorded, and it reflects a growing trend that’s been building for over a decade.

So why are more people turning to brokers?

Let’s break it down.

1. More Choice = Better Outcomes

When you go directly to a bank, you only get access to their products and policies. As mortgage brokers, we compare loans across a wide panel of lenders; big banks, regional lenders, and specialist providers. This means we can tailor a loan to your exact situation and goals, rather than fitting you into a one-size-fits-all solution.

2. We Work for You, Not the Bank

Our role is to act in your best interests. Whether you’re a first home buyer, refinancing, or investing, we take the time to understand your needs and help you make confident, informed decisions. And we’re with you for the long term - not just at settlement.

3. It’s About More Than Just Rates

Sure, interest rates are important — but there’s more to choosing a home loan than the number on the headline. We look at policy, features, flexibility, turnaround times, and your future plans, all to make sure your loan works for you now and later.

4. We Simplify the Process

Let’s face it, applying for a loan can feel overwhelming. We handle the paperwork, chase up the banks, and keep you in the loop the whole way through. And because we understand each lender’s processes and quirks, we can often fast-track approvals and avoid delays.

5. Australians Trust Brokers

The MFAA’s June 2025 data shows:

• 77.6% of new home loans were written by brokers (up from 67.2% in June 2023)

• $121.58 billion in loans were facilitated by brokers in one quarter alone - the highest ever for a June quarter

• Consumer interest is rising too, with over 324,000 people actively searching for a broker on the MFAA’s website in recent months

This isn’t just a spike — it’s a clear shift. Australians are actively choosing mortgage brokers because we offer transparency, guidance, and better options.

Final Thoughts from Nest

Whether you’re buying your first home, upsizing, or simply wondering if your current loan still stacks up, working with a broker gives you the power of choice and support.

At Nest Mortgage Solutions, we’ve been helping people navigate the lending world for over 20 years. We know the policies, we know the banks, and most importantly we take the time to know you.

If you’re ready to explore your options or just want a second opinion, we’re here when you’re ready.