The Commonwealth Bank of Australia (CBA) has announced that its digital home loan platform is now the bank’s fastest-growing application channel, marking a significant shift in how Australians are applying for mortgages.
In an online statement released on 3 November 2025, the bank said Australians in their twenties represent the fastest-growing group of online home loan applicants, while those in their thirties account for the largest share of digital applications overall.
CBA noted that first home buyers are showing one of the most notable behavioural changes within its digital home loan channel.
“Traditionally, first home buyers have preferred a face-to-face experience, but that’s starting to change,” said Marco Meneguzzi, Executive General Manager of Home Buying at CBA. “Just as they’re comfortable researching and shopping online for everyday purchases, they’re now applying the same habits to bigger decisions like buying a home.”
The statement comes as Australia’s housing market continues to strengthen. Home prices rose 1.1% in October 2025, marking the strongest monthly gain since June 2023, with annual growth now at 6.1%, according to CBA’s estimates.
“We expected prices to rise 6% by year-end — and we’ve already reached that point,” said Belinda Allen, CBA’s Head of Australian Economics. “Momentum has been stronger than anticipated. While sticky inflation and the likelihood of no further interest rate cuts could slow the pace, we still expect additional gains.”
CBA also reported that property listings in Perth, Brisbane, and Adelaide remain well below their five-year averages, with homes in Perth selling in as little as 12 days on average.
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