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# Macquarie's housing loan book just grew 25.9% in 12 months
- URL: https://www.benchmarkanalytics.com.au/macquarie-quarter-australia-mortgage-growth/
- Published: 2026-08-31T04:32:14.000Z
- Updated: 2026-08-31T04:32:14.000Z
- Description: Macquarie added $38.2 billion to its housing loan book over the year to July 2026, accounting for almost a quarter of the increase across Australia's banking system.
- Author: Nick Hossack
- Tags: Australian Mortgage Market, APRA Banking Statistics, Housing Lending, Bank Competition, Household Deposits, #banking

Macquarie Bank is rapidly becoming a large force in Australian retail banking.

The latest Australian Prudential Regulation Authority Monthly Authorised Deposit-taking Institution Statistics show Macquarie held **$185.9 billion of housing loans at the end of July 2026**, up from $147.7 billion a year earlier. That is an increase of **$38.2 billion, or 25.9%**.

Across all authorised deposit-taking institutions, housing loans increased by $159.0 billion over the same period. Macquarie therefore accounted for **24.0% of the net increase in outstanding housing lending**.

Its deposit growth is remarkably similar. Household deposits at Macquarie increased from $85.7 billion to **$115.9 billion**, a rise of $30.2 billion or 35.2%. That represented **24.3% of the $124.2 billion increase in household deposits across the system**.

APRA defines housing lending as loans to resident households for owner-occupied or investment housing, while household deposits are deposits from resident households.

Macquarie's share of outstanding housing lending increased from **6.3% to 7.4%** in just twelve months, while its share of household deposits rose from **5.2% to 6.6%**.

Australia still has a Big Four banking system. But the latest numbers increasingly point to a substantial **number five**.

**Source:** Benchmark Analytics calculations from APRA Monthly Authorised Deposit-taking Institution Statistics, July 2026, released 31 August 2026\. 

Macquarie accounted for almost a quarter of Australia's mortgage growth 

| 24.0% Macquarie's share of theannual increase in housing loans | 24.3% Macquarie's share of theannual increase in household deposits |
| -------------------------------------------------------------- | ------------------------------------------------------------------- |

Macquarie's retail banking expansion 

| Measure              | Jul 25   | Jul 26   | Growth  |
| -------------------- | -------- | -------- | ------- |
| Housing loans        | $147.7bn | $185.9bn | +25.9%  |
| Household deposits   | $85.7bn  | $115.9bn | +35.2%  |
| Housing market share | 6.3%     | 7.4%     | +1.1ppt |
| Deposit market share | 5.2%     | 6.6%     | +1.3ppt |

**Technical note:** Housing loans are the sum of APRA's owner-occupied and investment housing loan categories. Figures represent balances outstanding at month-end, not new loan approvals. Household deposits are deposits by resident households. Market shares and contributions to growth are Benchmark Analytics calculations from institution-level APRA data. Values may not sum exactly due to rounding.   
  
**Source:** APRA, Monthly Authorised Deposit-taking Institution Statistics, July 2026; released 31 August 2026\.