A big market that just got harder to lend into
Investors took out 52,599 new loans in the June quarter of 2026 worth $37.1 billion, according to the ABS. The count fell 8.6% over the quarter and the value fell 10.2%, the largest quarterly fall in investor loans since September 2022. The pool of people who want to borrow has not shrunk. The pool who can has.
Since February 2026, APRA's debt-to-income limit caps loans at six or more times income to 20% of a lender's new investor lending. The RBA's own investor data found that around one in five investors already carried debts above six times their income in 2021. A lot of investor enquiries now fail on that ratio before anyone looks at the property.
Who is enquiring
There are 2.3 million individual housing investors in Australia, roughly 10% of the working-age population, and around 70% of them own a single property, again from the RBA. Most investor enquiries are therefore first or second purchases from people with a day job, not portfolio builders. The record is built for that person.
What an investor record carries
The fields below are what a broker would otherwise spend the first call collecting.
- Purpose: first investment, adding to a portfolio, or refinancing an existing investment loan
- Existing debts, including the home loan, so the ratio can be estimated before the call
- Income type and whether the enquirer is self employed
- Target state and price range, and whether the property is chosen
- Structure in their own words: personal name, trust or super fund
- Time stamp and consent record
Related lead types
Enquiries that name a super fund as the borrower are a different product, covered under SMSF loan leads. Investors building rather than buying belong under construction loan leads.
Pricing and what we do not promise
A fixed cost per lead agreed before the campaign runs, no retainer, no lock in. Each record is exclusive to you, phone verified by SMS and checked for duplicates. Invalid leads are reviewed within five business days and replaced or credited when confirmed. We do not promise volume, and we do not promise settlements.