The Sydney numbers that shape fixed rate expiry leads
The RBA puts the share of outstanding housing loans on fixed rates at less than 5 per cent in 2025. The wave has passed, and what remains is a steady stream of borrowers who fixed in the last couple of years. The cash rate rose to 4.35% in May 2026 and was held in August. A Sydney borrower on the largest loans in the country, $842,000 on average per the ABS, feels every move.
Sydney's median dwelling value was $1,222,718 in August 2026, down 4.6% over the year and 1.4% lower in the month, on Cotality's index. A borrower whose term ends in a falling market is deciding rate and equity together, and the record captures both.
What a Sydney record carries
Beyond the fields every record carries, a Sydney campaign for this lead type captures the details that decide the first call.
- Current lender, fixed rate and the month the term ends
- Loan balance and a rough property value
- Refix, go variable, split, or also release equity
- Employment type and any change since the loan was written
- Suburb or region of Sydney
- Time stamp and consent record
What is checked in Sydney
Every enquiry is phone verified by SMS, checked against records already sent to you and screened on finance with up to 98 data points before delivery. Of high income property enquirers we measured, 51.8% fail on finance. Fewer than 5% of leads cleared by the PrimeProof screen do. A lender still decides.
Who this is not for
Brokers who cannot call the same day. A Sydney borrower whose term ends next month is comparing now, and the bank they are leaving has already made a retention offer.
Pricing
A fixed cost per verified lead agreed before the campaign runs, no retainer, no lock in. Every record is exclusive to you and delivered live into your CRM. Invalid leads are reviewed within five business days and replaced or credited when confirmed.