Home loan refinancing in Australia
Home loan refinancing, Australia · Australian Bureau of Statistics · September quarter 2026
Home loan refinancing in Australia $40.6 billion in the September quarter 2026, down 3.3% on the quarter and down 3.4% over the year.
Next release · Wed 11 Nov 2026, 11:30 AEDT · Lending indicators
What the numbers say
Owner-occupier external refinancing, value, was $40.6 billion in the September quarter 2026, down from $42.0 billion in the June quarter 2026. That is down 3.3% on the quarter and down 3.4% over the year. Over longer periods it is up 25.1% over 5 years and up 126.8% over 10 years. The latest value is the lowest since the March quarter 2025. It is 4.8% below the peak of $42.7 billion in the December quarter 2025, the highest since the series began in the September quarter 2002. The series also includes the low of $5.1 billion in the September quarter 2002.
How much home loan refinancing is there in Australia?
Owner-occupier external refinancing, value, in Australia was $40.6 billion in the September quarter 2026. The previous reading was $42.0 billion in the June quarter 2026.
Is home loan refinancing in Australia rising or falling?
Home loan refinancing in Australia fell in the September quarter 2026, down 3.3% on the quarter to $40.6 billion. It was down 3.4% over the year, up 25.1% over 5 years and up 126.8% over 10 years.
How much has home loan refinancing in Australia changed over the year?
Home loan refinancing in Australia was down 3.4% over the year from the September quarter 2025 to the September quarter 2026. The latest value was $40.6 billion.
What is the highest quarter for home loan refinancing in Australia since the series began in 2002?
The peak for home loan refinancing in Australia was $42.7 billion in the December quarter 2025, the highest since the series began in the September quarter 2002. The September quarter 2026 value of $40.6 billion is 4.8% below the peak.
Written from the figures on this page · updated 11 November 2026
Recent quarters
| Quarter | Value | Status |
|---|---|---|
| September quarter 2026 | $40.6 billion | final |
| June quarter 2026 | $42.0 billion | final |
| March quarter 2026 | $42.5 billion | final |
| December quarter 2025 | $42.7 billion | final |
| September quarter 2025 | $42.1 billion | final |
| June quarter 2025 | $40.9 billion | final |
| March quarter 2025 | $38.8 billion | final |
| December quarter 2024 | $36.9 billion | final |
Full series · 97 quarters · CSV · JSON
Owner-occupier external refinancing, value measures the total value of housing loan commitments by owner-occupiers that are refinanced with a different lender, in millions of Australian dollars. It is published quarterly by the Australian Bureau of Statistics as part of its lending indicators statistics, and the series on this page runs from September quarter 2002 to September quarter 2026, with the latest reading at $40.6 billion. Internal refinancing, where the loan is rearranged with the same lender, is not counted here.
This is the only series in the Home loan refinancing, Australia family on Numbra. Source material comes from ABS release pages, and the data are used under CC BY 4.0.
Related
Source
- α
- Source: Australian Bureau of Statistics, ABS release pages (CPI, WPI, labour force, lending), retrieved 11 November 2026. CC BY 4.0.
- γ
- Source: Australian Bureau of Statistics, ABS release pages (CPI, WPI, labour force, lending), retrieved 28 September 2026. CC BY 4.0.
- β
- Computed by Numbra from α.