Significant Rise in First Home Buyer Loans in December Quarter

Government Initiatives Fuel Growth in First-Time Buyer Activity

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The Australian Bureau of Statistics (ABS) has reported a notable 6.8% increase in the number of new first home buyer loans during the December quarter of 2025, bringing the total to 31,783.

This marks the most substantial rise since the December quarter of 2023.

Dr. Mish Tan, head of finance statistics at the ABS, highlighted that this growth was observed across all borrower types. Specifically, first home buyer loans rose by 6.8%, investor loans increased by 5.5%, and owner-occupier non-first home buyer loans saw a 3.6% uptick.

The expansion of the Australian Government's 5% Deposit Scheme and the introduction of the Help to Buy Scheme during this period have been pivotal in facilitating this surge. These initiatives aim to lower the entry barriers for first-time buyers by reducing the required deposit and providing additional support.

For prospective first home buyers, this data underscores the importance of staying informed about available government programs. Leveraging such schemes can significantly enhance affordability and expedite the journey to homeownership.

Published:Thursday, 23rd Apr 2026
Author: Paige Estritori

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Finance News

Significant Rise in First Home Buyer Loans in December Quarter

23 Apr 2026: Paige Estritori

The Australian Bureau of Statistics (ABS) has reported a notable 6.8% increase in the number of new first home buyer loans during the December quarter of 2025, bringing the total to 31,783. This marks the most substantial rise since the December quarter of 2023. - read more

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According to Domain's First Home Buyer Report 2026, aspiring homeowners are now facing longer periods to save for a deposit, as property prices continue to rise faster than wage growth. Over the past five years, entry-level house prices have surged by 68%, while wages have only increased by 21%. - read more

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Is the 5% Deposit Scheme Driving Up Home Prices?

15 Apr 2026: Paige Estritori

Recent analyses indicate that the Australian Government's 5% Deposit Scheme, designed to assist first-home buyers, may inadvertently be contributing to rising property prices. Data from the Australian Bureau of Statistics (ABS) reveals a significant increase in mortgages issued to first-time buyers, with $19.310 billion recorded in the December quarter of 2025-a 16% rise from the previous quarter and the highest since early 2021. - read more

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