Australian Housing Resale Profits Hit 20-Year High — What Property Owners Can Do With Record Equity

Australian Housing Resale Profits Hit a 20-Year High

Australian homeowners are sitting on record equity gains, with CoreLogic data confirming housing resale profits have reached their highest level in two decades. The median gain from property resales has hit a new record, reflecting a sustained period of capital growth that has built significant wealth for many property owners — even as some capital cities begin to soften.

What the Data Shows

CoreLogic's latest analysis reveals that the proportion of profitable resales remains elevated across most markets. While Sydney and Melbourne have entered early-stage downturns, strong performance in Perth, Brisbane, and regional markets has lifted national averages to multi-decade highs. The median resale gain now stands at a record level, meaning the typical property seller is walking away with substantially more than they paid.

Key findings:

• Resale profits are at their highest point in 20 years nationally
• The median gain from property sales has reached a record level
• Markets like Perth and Brisbane continue to drive outsized returns
• Even in cooling Sydney and Melbourne markets, most sellers are still recording gains

Why This Matters for Borrowers

Record equity means more options for property owners. This is not just good news for sellers — it is significant for anyone who has held property for several years and is now looking at their financial position.

Refinancing Opportunities

With property values elevated, many homeowners now have substantially more equity than when they first borrowed. This creates opportunities to refinance at better loan-to-value ratios (LVR), potentially unlocking lower interest rates or removing the need for lenders mortgage insurance (LMI).

Equity Release for Property Investors

Investors sitting on record gains can consider accessing equity to fund deposits on additional properties, renovations, or business expansion — without needing to sell.

Alt Doc and Non-Bank Options for Self-Employed Owners

For self-employed property owners who may have built equity over time but struggle to meet standard bank income documentation requirements, this is a particularly strong position. Non-bank lenders like MPFG Capital can assess applications based on the strength of the security (the property) and business BAS statements, rather than requiring payslips or two years of full tax returns.

The Non-Bank Advantage in an Equity-Rich Market

Traditional banks often move slowly and apply rigid criteria when processing equity release or refinancing applications. Non-bank lenders operate with more flexibility:

• Faster approval turnaround (days, not weeks)
• Alt Doc options for self-employed borrowers
• LVR up to 80% available depending on the product
• Assessment based on actual business income, not just what appears on a tax return

In an environment where property equity is at record levels, the barrier for many self-employed borrowers is not the property — it is the documentation. That is precisely the gap MPFG Capital is designed to bridge.

What Should You Do?

If you have owned property for more than two years, now is a good time to reassess your position:

1. Get a current valuation — your property may be worth significantly more than your last assessment
2. Calculate your current LVR — lower LVR may qualify you for better rates or products
3. Speak to a non-bank specialist if you are self-employed and have previously been turned away by the major banks

This article is for general information purposes only and does not constitute financial advice. Lending outcomes depend on individual circumstances. MPFG Capital holds Australian Credit Licence 553698.