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State of Broking 2026 • Part 4 of 4

Most Crowded Isn’t Fastest Growing

The MFAA’s state and territory analysis shows where brokers are concentrated and where residential settlement value grew fastest in 2025. They are not the same places.

Adults per reported broker, 2025

Lower means more brokers relative to the adult population. National figure: 904.

Victoria781
NSW and ACT808
Western Australia1,012
South Australia1,044
Queensland1,109

Tasmania (2,477) and the Northern Territory (3,590) are much higher but rest on small broker numbers.

Residential settlement value growth, 2025

By broker location. National: +23.5%.

Queensland+28.6%
Western Australia+26.7%
South Australia+26.6%
NSW and ACT+23.6%
Victoria+18.6%

Victoria in one line each

Brokers

29.72% of the national reported broker population, up 9.8% to 7,167.

Settlements

26.03% of national residential settlement value, down 1.09 percentage points.

Commercial

$14.61bn of commercial, business and asset finance settled, up 32.2%.

By broker location. All state results are attributed to where the broker is located, not the borrower or the property. The MFAA says the adults-per-broker ratio is not a measure of broker capacity, client demand or accessibility.

The takeaway

Victorian brokers are the most concentrated relative to population and grew residential settlements more slowly than the rest of the mainland, while their commercial settlements grew faster than in either of the other two largest markets. If you broke in a dense market, the growth may be in the lending mix, not the head count.

Source: MFAA State of Mortgage & Finance Broking Report 2026 (2025 calendar year data). Selected figures only; see the full report for definitions, samples and caveats.

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State of Broking 2026 • Part 4 of 4

Victoria Has the Most Brokers Per Adult. Queensland, WA and SA Grew Settlements Faster

The Broker TimesSource: MFAA State of Mortgage & Finance Broking Report 2026Approx. 7 min read

Broker numbers rose in every state and territory in 2025, and residential settlement value rose everywhere with comparable data. But the MFAA’s state analysis shows the growth was uneven, and not in the way head counts would suggest. The densest broker market grew slowest.

State of Broking 2026: a four-part series

  1. Part 1: The activity barbell: who settled nothing, who settled $25m+ (publishing Tue 29 Sep)
  2. Part 2: Pay: upfront, trail and the clawback line (publishing Wed 30 Sep)
  3. Part 3: Workforce renewal: age, entry and women in broking (publishing Fri 2 Oct)
  4. Part 4: The state split: where brokers are dense and where settlements grew (you are here)

In this article

  1. How the state data works
  2. Where brokers are most concentrated
  3. Where settlements grew fastest
  4. Victoria’s split picture
  5. Tasmania and the Northern Territory
  6. What to do with this

How the state data works

The MFAA released the State of Mortgage & Finance Broking Report 2026, its first annual benchmark of the industry, on 25 September 2026. The Broker Times attended the launch briefing. The report covers the 2025 calendar year and draws principally on data from nine participating aggregators, analysed by Comparator, a Cotality business. The MFAA’s public summary of the report is here.

Two ground rules shape every state figure. First, results are attributed to the location of the broker, not the borrower, the property or the financed asset. A Melbourne broker writing a Gold Coast loan counts as Victoria. Second, New South Wales and the ACT are combined because that is how the source data was supplied.

Where brokers are most concentrated

Nationally there were about 904 adults per reported broker in 2025, down from 969 in 2024. The broker population grew faster than the adult population, so brokers became more concentrated.

Most concentrated: Victoria at about 781 adults per reported broker, then New South Wales and the ACT at about 808. Western Australia (1,012), South Australia (1,044) and Queensland (1,109) are all above the national figure. Tasmania (2,477) and the Northern Territory (3,590) are far higher.

The largest falls in the ratio came in New South Wales and the ACT (883 to 808) and Victoria (845 to 781), where broker numbers grew 11.0% and 9.8% respectively. Western Australia and South Australia barely moved, with broker growth of 4.1% and 3.4%.

The MFAA is clear that the ratio describes geographic distribution only. It says the figures “should not be interpreted as measures of broker capacity, client demand, accessibility, or service availability.” A lower ratio does not prove a market is over-supplied.

Where settlements grew fastest

Now set that against residential settlement value, which grew 23.5% nationally to $495.55 billion.

  • Queensland: up 28.6% to $85.94 billion. Settlement value per reported broker rose 17.4% to $21.45 million, and its share of national settlement value rose 0.69 percentage points to 17.34%.
  • Western Australia: up 26.7% to $47.61 billion, with value per broker up 21.7% to $20.19 million.
  • South Australia: up 26.6% to $29.80 billion, with value per broker up 22.4% to $20.41 million.
  • New South Wales and the ACT: up 23.6% to $199.35 billion, the largest market, with value per broker up 11.3% to $22.45 million.
  • Victoria: up 18.6% to $128.98 billion, with value per broker up 8.0% to $18.00 million.

The report itself notes that among the larger markets, Queensland, Western Australia and South Australia recorded particularly strong percentage growth. The two mainland states with the slowest broker growth, WA and SA, recorded some of the fastest settlement growth. The report says variations may reflect average loan size, property values, lending mix, broker activity and local market conditions, so treat the pattern as a prompt for questions rather than a cause.

Victoria’s split picture

Victoria accounted for 29.72% of reported brokers in 2025 but 26.03% of national residential settlement value, a share that fell 1.09 percentage points. The report’s own assessment is that broker numbers, settlement value and loan book value all increased, “although residential settlement growth was below the national rate.”

The commercial numbers tell a different story. Victorian brokers settled $14.61 billion of commercial, business and asset finance in 2025, up 32.2%, and the report says Victoria recorded the strongest percentage growth in commercial settlement value among the three largest regions. The number of Victorian brokers writing commercial, business or asset finance rose 8.3% to 3,700, the largest numerical increase of any jurisdiction.

That does not prove Victorian brokers are diversifying because residential is harder. It does show that a residential-only reading of Victoria misses where a lot of its growth went.

MFAA chief executive Anja Pannek flagged regional differences in the report’s CEO’s report:

“Brokers and broking businesses will also need to respond to changing technology, increasing compliance expectations and differences in market conditions across Australia.”Anja Pannek, Chief Executive Officer, Mortgage & Finance Association of Australia, CEO’s report, State of Mortgage & Finance Broking Report 2026

Tasmania and the Northern Territory

Tasmania had 187 reported brokers, up from 183, and residential settlement value rose 17.0% to $2.32 billion. The Northern Territory had 56 brokers, and its 2025 settlement value of $1.47 billion is presented without a year-on-year comparison because the respondent group changed. The report repeatedly cautions that small populations make averages and percentage movements volatile in both jurisdictions.

What to do with this

Five questions for a state-aware business plan

  1. Where are your clients, not just your office? The report counts broker location. Your own book may be spread across states with very different growth.
  2. If you are in a dense market, what is your edge? Specialisation, referral depth or a niche matters more where there are more brokers per adult.
  3. Is commercial part of your plan? In Victoria especially, commercial and asset finance grew far faster than residential in 2025.
  4. Do you understand interstate lending? If you write loans in faster-growing states from elsewhere, check you know local valuation, stamp duty and grant settings, and each lender’s policy by postcode.
  5. Are you reading averages with care? Especially for Tasmania and the Northern Territory, where the report warns small bases distort percentages.

Key takeaways

  • Nationally there were about 904 adults per reported broker in 2025, down from 969. Victoria (781) and NSW/ACT (808) were the most concentrated.
  • Residential settlement value grew 28.6% in Queensland, 26.7% in WA and 26.6% in SA, against 23.5% nationally.
  • Victoria grew 18.6%, below the national rate, and its share of national settlement value fell 1.09 percentage points to 26.03%.
  • Victorian commercial, business and asset finance settlements rose 32.2% to $14.61 billion.
  • All state figures are attributed by broker location, and the MFAA says the adults-per-broker ratio is not a measure of capacity or demand.

Frequently asked

Does a low adults-per-broker ratio mean a market is saturated?

Not on its own. The MFAA says the ratio should not be read as a measure of broker capacity, client demand, accessibility or service availability.

Is the Queensland figure about Queensland properties?

No. It is about Queensland-based brokers. The report attributes results to where the broker is located, not the borrower or property.

Why is there no growth figure for the Northern Territory?

The respondent group behind the NT settlement figures changed between years, so the report shows the 2025 value of $1.47 billion without a comparison.

Where can I read the full report?

MFAA members can access it in the Research section of the Member Portal. Non-members can contact the MFAA at info@mfaa.com.au.

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Sources: Mortgage & Finance Association of Australia (MFAA), State of Mortgage & Finance Broking Report 2026, published 25 September 2026, for all report figures and for quotations from the CEO’s report; MFAA media release, “A home loan facilitated through a mortgage broker every 38 seconds”, 25 September 2026 (PDF); MFAA news, “New report captures the growing role of brokers across Australia”. Figures are credited to the MFAA State of Mortgage & Finance Broking Report 2026. Calculations marked as ours are The Broker Times’ arithmetic on the report’s published figures. The full report is available to MFAA members via the Member Portal.

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#tbt-ix-sb4 .tbt-ix-panel{background:var(–tbt-lgray);border-radius:.7rem;padding:1.15rem 1.2rem;font-size:.9rem}
#tbt-ix-sb4 .tbt-ix-panel[hidden]{display:none}
#tbt-ix-sb4 .tbt-ix-panel h4{margin:0 0 .6rem;font-size:.98rem;color:var(–tbt-navy);font-family:’Orelega One’,Georgia,serif;font-weight:700}
#tbt-ix-sb4 .tbt-ix-panel p{margin:0 0 .75rem}
#tbt-ix-sb4 .tbt-ix-panel p:last-child{margin-bottom:0}
#tbt-ix-sb4 .tbt-ix-rows{list-style:none;margin:.5rem 0 0;padding:0}
#tbt-ix-sb4 .tbt-ix-rows li{display:flex;justify-content:space-between;gap:1rem;padding:.5rem 0;border-bottom:1px dashed var(–tbt-mgray);font-size:.86rem}
#tbt-ix-sb4 .tbt-ix-rows li:last-child{border-bottom:0}
#tbt-ix-sb4 .tbt-ix-rows b{font-family:’Orelega One’,Georgia,serif;color:var(–tbt-navy);white-space:nowrap}
#tbt-ix-sb4 .tbt-ix-note{background:#fff;border-left:3px solid var(–tbt-coral);border-radius:.35rem;padding:.7rem .9rem;font-size:.82rem;margin-top:.9rem;color:var(–tbt-dgray)}
#tbt-ix-sb4 .tbt-ix-divide{margin:1.7rem 0 1.2rem;border:0;border-top:1px solid var(–tbt-mgray)}
#tbt-ix-sb4 .tbt-ix-clh{font-family:’Orelega One’,Georgia,serif;font-size:1.1rem;color:var(–tbt-navy);margin:0 0 .2rem;font-weight:700}
#tbt-ix-sb4 .tbt-ix-clsub{font-size:.82rem;color:var(–tbt-dgray);margin:0 0 1rem}
#tbt-ix-sb4 .tbt-ix-prog{margin:0 0 1rem}
#tbt-ix-sb4 .tbt-ix-progtop{display:flex;justify-content:space-between;align-items:baseline;gap:1rem;margin-bottom:.4rem}
#tbt-ix-sb4 .tbt-ix-progh{font-size:.9rem;font-weight:700;color:var(–tbt-navy);margin:0}
#tbt-ix-sb4 .tbt-ix-progc{font-size:.78rem;color:var(–tbt-dgray)}
#tbt-ix-sb4 .tbt-ix-progtrack{background:var(–tbt-mgray);border-radius:999px;height:10px;overflow:hidden}
#tbt-ix-sb4 .tbt-ix-progfill{height:100%;width:0;border-radius:999px;background:linear-gradient(90deg,#3CA3DF,#1F2A44);transition:width .25s ease}
#tbt-ix-sb4 .tbt-ix-progm{font-size:.82rem;color:var(–tbt-dgray);margin:.5rem 0 0}
#tbt-ix-sb4 .tbt-ix-list{list-style:none;margin:0;padding:0}
#tbt-ix-sb4 .tbt-ix-list li{border:1px solid var(–tbt-mgray);border-radius:.55rem;margin:.5rem 0;background:#fff;transition:background .15s,border-color .15s}
#tbt-ix-sb4 .tbt-ix-list li.tbt-ix-done{background:var(–tbt-sblue);border-color:#cfe4f7}
#tbt-ix-sb4 .tbt-ix-list label{display:flex;gap:.75rem;align-items:flex-start;padding:.8rem .95rem;cursor:pointer;font-size:.88rem}
#tbt-ix-sb4 .tbt-ix-list input{margin-top:.22rem;width:1.05rem;height:1.05rem;accent-color:#1F2A44;flex:0 0 auto;cursor:pointer}
#tbt-ix-sb4 .tbt-ix-list input:focus-visible{outline:3px solid var(–tbt-sky);outline-offset:2px}
#tbt-ix-sb4 .tbt-ix-list b{display:block;color:var(–tbt-navy);margin-bottom:.15rem}
#tbt-ix-sb4 .tbt-ix-list span{color:var(–tbt-char)}
#tbt-ix-sb4 .tbt-ix-foot{display:flex;flex-wrap:wrap;gap:.7rem;align-items:center;justify-content:space-between;margin-top:1.2rem;padding-top:1rem;border-top:1px solid var(–tbt-mgray)}
#tbt-ix-sb4 .tbt-ix-reset{appearance:none;border:1px solid var(–tbt-mgray);background:#fff;color:var(–tbt-navy);font-family:inherit;font-size:.82rem;font-weight:600;padding:.5rem 1rem;border-radius:.4rem;cursor:pointer}
#tbt-ix-sb4 .tbt-ix-reset:hover{border-color:var(–tbt-coral);color:var(–tbt-coral)}
#tbt-ix-sb4 .tbt-ix-reset:focus-visible{outline:3px solid var(–tbt-sky);outline-offset:2px}
#tbt-ix-sb4 .tbt-ix-cta{font-size:.82rem;color:var(–tbt-dgray);margin:0}
#tbt-ix-sb4 .tbt-ix-cta a{color:var(–tbt-sky)}
@media(max-width:560px){#tbt-ix-sb4 .tbt-ix-head h3{font-size:1.15rem}#tbt-ix-sb4 .tbt-ix-head,#tbt-ix-sb4 .tbt-ix-body{padding-left:1.1rem;padding-right:1.1rem}#tbt-ix-sb4 .tbt-ix-rows li{flex-direction:column;gap:.15rem}}

Interactive • Broker Tool

How Does Your State Compare?

Pick a market for its 2025 snapshot, then work through the checklist.

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New South Wales and the ACT

  • Reported brokers8,881 (+11.0%)
  • Adults per reported broker808
  • Residential settlement value$199.35bn (+23.6%)
  • Settled per reported broker$22.45m (+11.3%)
  • Commercial, business and asset finance$18.82bn (+24.6%)

State-aware planning checklist

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Disclaimer: This article is for general information and professional development purposes only. It does not constitute legal, compliance, or financial advice. Brokers should consult their aggregator’s compliance team and, where required, seek independent legal advice regarding their obligations under the National Consumer Credit Protection Act 2009 and ASIC’s responsible lending guidelines.