Melbourne’s broker industry is riding a wave of transformation and opportunity in 2025. From real estate rebounds to fintech innovation, brokers across sectors—mortgage, finance, and business—are seeing renewed momentum. Here’s a snapshot of the latest developments shaping the broker landscape in Victoria’s capital.

1. Economic Surge Fuels Broker Activity

Melbourne’s economy is experiencing a major upswing thanks to a trifecta of blockbuster events: the Melbourne Cup Carnival, Oasis concert, and Metallica’s tour. These events are expected to inject $110 million into the local economy, boosting hospitality, retail, and accommodation sectors. [brokernews.com.au]

This surge in spending is translating into higher business confidence, especially among small business owners and self-employed borrowers—key client segments for mortgage and finance brokers. NAB’s Q3 2025 survey shows profitability rebounding and forward orders turning positive, signaling stronger loan serviceability and credit demand heading into 2026. [brokernews.com.au]

2. Real Estate Rebound Creates Broker Opportunities

Melbourne’s property market is showing signs of recovery after a sluggish 2024. House prices rose by 0.5% in September, with a median house price now at $953,454. Commercial property is also bouncing back, with office space demand up 21 points in Q2 2025. [openagent.com.au] [brokernews.com.au]

This rebound is opening doors for brokers to diversify into commercial lending, especially for small business owners looking to acquire premises. As Bernard Desmond of Blank Financial notes, “It’s a buyer’s market, and brokers can add commercial to their revenue streams”. [brokernews.com.au]

3. Top Performing Brokerages in Melbourne

The Top 25 Brokerages of 2025 have been revealed, with Mortgage Choice taking the top spot. With over 1,078 active brokers and $22.2 billion in loans settled, the franchise continues to dominate the mortgage space. [momentummedia.com.au]

Other notable firms include:

  • Lloyds Corporate Brokers – active in high-profile business sales.
  • EverestCPBB – leading in SME valuations and succession planning. [everestcpbb.com.au]
  • Vic Brokers and LINK Business Brokers – top choices for small business transactions. [justmelbourne.com.au]

4. Innovation & AI Reshaping Broker Services

The Broker Innovation Summit held in Melbourne this September spotlighted the rise of agentic AI, digital lending platforms, and automation tools. Brokers are now leveraging tech to streamline client onboarding, reduce admin, and improve service delivery. [momentummedia.com.au]

Sessions explored:

  • AI-powered lending journeys
  • Optimizing tech stacks
  • US trends in broker innovation

NextGen’s partnership with the summit highlights the growing role of fintech in broking, with platforms like Frollo helping brokers manage client data more efficiently. [brokerdaily.au]

5. Regulatory Updates Brokers Must Know

Regulatory changes are reshaping broker-client interactions. The National Insurance Brokers Association (NIBA) introduced new informed consent rules for brokers offering personal advice to retail clients, effective July 2025. [insuranceb…essmag.com]

Meanwhile, ASIC’s Regulatory Tracker 2025 shows increased scrutiny on financial reporting, scam prevention, and consumer protection. Brokers must now ensure robust compliance systems and ethical practices to stay ahead. [asic.gov.au]

Final Thoughts: What’s Next for Brokers in Melbourne?

With economic optimism, property market recovery, and tech-driven innovation, Melbourne’s broker industry is poised for growth. Whether you’re a mortgage broker, business intermediary, or finance advisor, 2025 offers a unique window to expand, diversify, and digitize.

Key Takeaways for Brokers:

  • Tap into commercial lending as property rebounds.
  • Embrace AI and automation to stay competitive.
  • Stay compliant with evolving regulations.
  • Leverage Melbourne’s event-driven economy for client acquisition.