Loan Activity Is Surging, And Here’s How Smart Brokers Are Keeping Up

The AI Broker isn’t just some shiny tech tool for someday – it’s the system today’s top brokers are already leaning on to keep pace with the sharp rise in loan volumes across the country.

According to PEXA’s latest FY25 data, Australia just wrapped up one of its strongest years for mortgage activity. Loan volumes rose by 6.8% year-on-year, far outpacing property settlement growth, with a total of 544,630 new property-backed loans settled.

That’s not just a busy quarter. That’s a full-blown surge.

The AI Broker Was Built for This

When volume spikes like this, most brokers hit a wall. Either you hire more help (which takes time and training) or you fall behind.

But brokers using the AI Broker aren’t stuck making that trade-off. Instead, they’re scaling smarter, not bigger.

Because the AI Broker isn’t generic automation. It’s purpose-built to handle real-life broker workflows from doc checking and data sync to preparing files for submission across systems like ApplyOnline, AFG, Mercury, and MyCRM.

All in the background. No plug-ins, no retraining. It just works.

Market Momentum: Loans Are Up, Settlements Are Up, Borrowers Are Back

The numbers don’t lie:

• $380.6 billion in new lending settled across FY25
• 96% of all property-backed loans were residential
• Victoria led with 148,126 new mortgages, closely followed by Queensland and NSW
• Refinances jumped 20.3% in Q4 alone

Even as supply remained tight, buyers were clearly ready to act with interest rate cuts, stronger wage growth, and first-home buyer (FHB) incentives all fuelling momentum.

So what’s the catch?

You’ve got to be able to keep up. Because with every new enquiry comes a stack of backend tasks: income analysis, doc validation, CRM updates, compliance checks, formatting, follow-ups… the list goes on.

And that’s where most broker teams stall.

Where Brokers Are Losing Time (and Clients)

This wave of activity brings more than just opportunity.

Your VA is waiting for you to cross-check something. Your CRM has missing fields. A file gets sent back for a tiny error. Another pre-approval is delayed because a doc wasn’t flagged.

And your client? They just want to know where things are at.

In today’s climate, speed and clarity are trust signals.

If your systems are clunky, your support team is slow, or your process feels confusing… you don’t just risk losing the deal. You risk losing the client’s confidence (and their referrals).

How the AI Broker Fixes the Bottleneck

The AI Broker isn’t here to replace you or your VA. It’s here to handle the heavy admin that slows you down.

• It auto-checks documents against lender requirements
• It flags compliance risks before submission
• It keeps data in sync across CRMs, docs, and file notes
• It helps your VA handle more work without needing constant direction

And when it comes to refinance files? The AI Broker shines, especially with refinance activity now at record highs.

That second-half FY25 spike in refinances wasn’t small. It was a 20.1% year-on-year increase, with borrowers scrambling for better deals after the rate cuts.

That means tighter timelines. Heavier workloads. And zero room for manual slip-ups.

Real Results from Brokers Using the AI Broker + VA Combo

Here’s what early adopters are seeing:

• Process 3x more files per week without extra hires
• Zero submission errors flagged by lenders
• Minutes, not hours, to get files client-ready
• No rework, no repeat doc requests, no bottlenecks
• Clients who feel in control and mare ore likely to refer

And it’s not just better for your clients. It’s better for your business.

With less time spent chasing down tasks or fixing minor mistakes, you gain back the capacity to focus on what actually grows your pipeline: relationship-building, deal strategy, and client trust.

This Is the Moment to Get Your Backend Right

With the RBA tipped for more rate cuts later in 2025, we’re still climbing the peak of this demand wave. And if you’re thinking about “waiting until spring”? You’re already behind.

The smart brokers now aren’t hiring frantically or working weekends. They’re upgrading their systems and giving their VAs the AI power they need to do more, faster, better.

And they’re doing it without overhauling everything by fitting the AI Broker into their existing CRM, your workflows, and your platforms.

No big rebuilds. Just smart, scalable support.

Want to See the AI Broker in Action?

If your business is feeling the pressure of rising loan volumes, now’s the time to act.

Book a discovery call to see how the AI Broker can streamline your process, power up your VA, and give you back the hours that matter.

👉 [Book Your AI Broker Demo Now]