A word from Resimac
Resimac is a non-bank lender dedicated to helping brokers deliver tailored solutions for property investors. They combine competitive pricing, flexibility, and service to help brokers achieve great outcomes for their clients in a competitive market. Their BDM team is known for deep expertise and proactive support, working closely with brokers to workshop complex scenarios and find solutions that other lenders may not.
This hands-on approach enables brokers to strengthen client relationships and build long-term trust. By staying responsive to market trends and investor needs, Resimac empowers brokers with the tools, insights, and support they need to grow their investor client base and stay competitive.
What a year it has been for property investors. Cast your mind back to September 2024, when the cash rate was 4.35 per cent and the record-breaking spring property market was just starting out. Investor activity had already been strong in September last year, with figures showing a 30 per cent increase in the value of new investor loans when compared to September 2023 (according to the Australian Bureau of Statistics [ABS]). Fast forward to now, and conditions have only gotten better.
Over the past year, there have been three rate cuts from the central bank – and the prospect of more to come – which have helped restore confidence and brought even more investors into market. In fact, investor lending has been driving a significant proportion of the growth in lenders’ mortgage loan books. According to the lending indicators release from the ABS, the value of new investor loans in the June quarter 2025 (the latest data available at the time of writing) jumped 15.9 per cent year on year to $32.4 billion, while the number of loans rose 8.8 per cent to 47,218. It was 6.5 per cent higher than the same time in 2024.
Looking at just the banks, the Monthly Authorised Deposit-taking Institution Statistics (MADIS) from the Australian Prudential Regulation Authority (APRA) showed that investor loan books across all banks grew by 0.52 per cent to $741.40 billion in June 2025, outpacing the 0.46 per cent growth in owner-occupier loans (which rose to $1.57 trillion). Similarly, between March and April 2025, investor loan books across all banks grew by 0.52 per cent to $741.40 billion, outpacing the 0.46 per cent growth in owner-occupier loans (which rose to $1.57 trillion).
Add to the mix the non-bank lending segment, and the value of investor lending has been on a rampage. Take non-bank lender Resimac as an example. Around 60 per cent of the lender’s portfolio – and approximately half of the non-bank’s loan volumes – now comes from investors, a result credited to Resimac’s broker-exclusive model. Speaking to The Adviser, Resimac’s regional sales manager Steve Wallace says:
“With Resimac’s broker-exclusive model, brokers are uniquely positioned to offer our products, giving them a distinct advantage in guiding clients through tailored lending solutions.”
Combined with competitive pricing, he says, this shows Resimac’s full doc and alt doc solutions are resonating strongly with the market. Deep expertise and support from an experienced sales team also help. “They excel in workshopping complex scenarios, particularly for self-employed investors with intricate structures or non-traditional financials,” he adds.
“They help brokers find solutions that build trust and long-term client relationships.” Brokers have also reported strong investor demand. Figures released by aggregator Australian Finance Group (AFG) in July revealed that investor loans made up more than 34 per cent of all lodgements in June 2025 (just over 13,800 loans), the highest proportion seen in more than eight years. AFG CEO David Bailey told The Adviser in July that interest rate cuts were boosting demand for investment properties.
“Rising rents and lower interest rates make the yield on investment properties more attractive,” he said.
Similarly, data from aggregation and brokerage group Loan Market Group showed that 34 per cent of its settlements were for investor clients in June 2025, up 1.2 per cent over the month. Finance broker David Warburton of Victorian-based brokerage Rate Challenge has seen firsthand how investor confidence has been one of the defining trends in this rate-easing cycle.
“Investors who paused purchases during the tightening phase are returning with larger deposits, keen to lock in equity gains from the pandemic boom and ready to deploy offset-account liquidity whenever the right listing appears,” he says.
Meanwhile, Fred Morelli, director of Adelaide-based brokerage Solid Finance, also says investors at all stages of their journey have been trying to enter the market.
“There’s a lot of people trying to get into the investment market as a first-time opportunity, but we’ve definitely seen the customers that do own more than one property are now going to their second or third or potentially fourth sort of purchase,” he says.“It’s a bit of a weird swing – normally you’d have one way or the other. It’s a wide market. People are trying to get into property. They feel there’s been such substantial growth over the last four or five years. That fear of missing out is where young investors are sort of coming from.
“The heavy investors have thought there are good margins. And if they don’t make a great margin on a new purchase, they’ve definitely got it on existing assets in the background.”
Broker advantage
Investor activity is good news for brokers, says Warburton, who sees the role of credit advisers as integral to the way investors make decisions.
“A broker can line up half a dozen lenders in minutes, decipher each credit policy quirk, and guide a client through cash-out, interest-only, split or SMSF facilities – often in a single conversation,” he says.
“Investors value that strategic overlay more than a headline rate because it translates scattered bank rules into a single, actionable plan. “That broader perspective shows up in day-to-day structuring work. “A well-briefed broker can map the client’s entire portfolio – primary residence, existing rentals, offsets and lines of credit – then decide where interest-only repayments maximise deductions, where principal-and-interest accelerates equity build-up, and where a split loan shields the investor against future rate spikes.”
Morelli also notes the role brokers can play as trusted advisers. “Investor clients need that guiding hand to get an idea that what they’re doing is not going to hurt their personal lifestyle position,” he adds.
“Most customers who are comfortable in doing that much in the investment pool have thought about it and talked about it with family or a friend. They just need that extra advice from the mortgage broker and from their accountant, or whoever it might be, in the background.”
Where to from here?
While investor activity has been booming, there is no sign of it cooling just yet. Wallace believes there are many reasons investors will stay eager to seize opportunities. “The balance of the country has seen good demand for properties; however, in recent months and with supply reduced, there is also a high level of applications pending because suitable properties haven’t been able to be located,” he says.
“With interest rate reductions thought to be coming over the remainder of the year, this should see investment property buyers continue to be at the forefront.”
With interest rate reductions thought to be coming over the remainder of the year, this should see investment property buyers continue to be at the forefront
- Steve Wallace, regional sales manager, Resimac
So, what should brokers be doing right now to make the most of investor activity? Wallace urges brokers to look beyond the mainstream lenders, noting that broader options can unlock better long-term outcomes for investor clients in today’s competitive market.
He raises the example of a recent deal involving a self-employed client with a complex financial profile seeking $3.7 million in funding for an off-market owner-occupied purchase. “A major bank had reviewed the deal but couldn’t support the required loan amount,” he says.
“The broker reached out to their Resimac BDM, who proactively reviewed the client’s financials before submission to ensure the deal was viable. “The application was then submitted and approved with just four standard conditions. The broker and their client were extremely satisfied with the speed, clarity, and outcome.”
This flexibility can be a real advantage, according to Morelli. “Over the years, Resimac has been one of those lenders that have been really, really easy to deal with,” Morelli says.
“The advice they provide – through our BDMs here in Adelaide – when workshopping the deal has been really positive, and has been the difference between a really positive deal going through versus one that you think is going to be a bit difficult.”
