Investor Demand Is Soaring. Are You Equipped to Deliver the Clarity They Expect?

For the first time since APRA began tracking the data, investor lending growth has overtaken owner-occupier growth.

In July 2025 alone, banks’ investor mortgage books surged by 6.1% year-on-year, compared with 5.6% for owner-occupiers. Investor portfolios now total a record $755 billion, with $32.9 billion in new investor loans written in the June quarter.

And the deals aren’t small. The average investor loan size now sits at $674,259, with many clients purchasing second, third, or even fourth properties.

This surge is reshaping the market. More investors are entering with bigger goals, higher expectations, and a clear demand: they want brokers who can put the numbers, risks, and opportunities black-and-white on paper.

The question is: are you equipped to deliver that clarity?

The Investor Shift

Industry voices are clear: investors are reading the market better than many first-home buyers or owner-occupiers. They understand leverage, they’re comfortable with debt, and they want to move quickly before opportunities close.

But here’s the challenge for brokers:

• Seasoned investors expect strategic structuring. They want interest-only options, rent offsets, and flexible terms that support multi-property portfolios.
• First-time investors need clarity and confidence. They want to see cash flow projections and servicing laid out simply but accurately.
• Both groups demand speed. Delays on servicing calcs, policy checks, or compliance reviews can lose them to a faster broker.

If your backend is still reliant on manual spreadsheets, patchy workflows, or hours-long servicing reviews, you’re not keeping up with the pace of investor demand.

Where Brokers Struggle With Investor Files

Investor deals aren’t just “bigger versions” of owner-occupier loans. They bring added complexity and risk that most broker back offices aren’t set up for:

• Servicing delays. Complex income sources (PAYG + rental + BAS) often blow out to 90 minutes or more per file.
• Policy mismatches. Missing subtle rules on multiple property exposure or rental offsets can derail submissions.
• Compliance risks. Documenting advice and BID rationale is critical, but easily overlooked when juggling volumes.
• Scaling pains. Even with a VA, brokers often get stuck hand-holding every step, instead of focusing on strategy and client trust.

The result? Backlogs, rework, and lost deals, especially dangerous in today’s competitive market.

How AI Broker + Koruna Assist Changes the Game

This is exactly where AI Broker, built into every Koruna Assist VA, gives brokers the edge with investors.

Here’s how it transforms investor file handling:

• Side-by-side lender comparisons auto-generated – rate, features, fees, and suitability for multi-loan structures, ready to show clients.
• Smart policy matching – flags appetite for interest-only terms, negative gearing, and multiple properties before you recommend.
• Investor-specific servicing calcs – reduced from 90 minutes to just 15, with all income types built in.
• AI-generated BID + structure rationale – automatically logged, stored, and audit-ready for compliance.
• Real-time lender updates – never recommend a bank pulling back on investor appetite.
• Koruna Assist VAs pre-trained – they don’t wait for broker direction; they keep investor files moving consistently.

It’s not just about speed. It’s about clarity, structure, and compliance baked into every investor deal from the start.

Why It Matters Right Now

Investor demand is surging, with bigger loans moving faster than ever.

But clients won’t sit around waitinfor g slow calculations or unclear loan structures can quickly cost you the deal. At the same time, compliance pressure is climbing. Multi-loan portfolios leave no room for gaps in advice notes or missing rationale, and regulators are watching more closely.

And then there’s the scaling challenge. Without the right systems in place, growth will feel like a burnout more than an opportunity. More files just pile up, processes crack, and client service slips.

This is exactly where AI Broker changes the game. Instead of drowning in admin, you can deliver like a seasoned investor specialist structured, compliant, and fast, all without the chaos of trying to do it all manually.

Investor Demand Won’t Wait

Investor lending has flipped the market. For the first time, it’s outpacing owner-occupier growth, and clients are looking for brokers who can deliver clarity, structure, and speed.

AI Broker + Koruna Assist gives you that advantage from day one.

👉 Book your AI Broker demo today and see how to deliver smarter, faster, compliance-ready advice at investor scale.