Assetline Capital reports Horizon Mortgages demand up 140% YoY in Q4 2025

• Horizon Mortgages settled volumes up 140% year-on-year in Q4 2025

• Growth driven by SMSF, Alt Doc and Investment lending as brokers seek long-term certainty

• Brokers increasingly favouring lenders offering policy flexibility and certainty of outcome

• Demand reflecting a shift toward longer-term structures across Prime, Near-Prime and Specialist borrowers

• Reduced Prime Horizon Mortgages pricing currently available up to 70% LVR

Mortgage brokers are increasingly reassessing how they structure residential debt, becoming more deliberate about when short-term solutions are appropriate while prioritising long-term certainty where it best supports the client outcome, as refinance fatigue, serviceability pressure and tightening bank policy reshape deal viability.

That shift is now flowing through to settlement data.

Assetline Capital has reported a 140% year-on-year increase in settled Horizon Mortgages volumes in Q4 2025 compared to Q4 2024, with growth strongest across SMSF, Alt Doc and residential investment scenarios, where brokers are seeking lenders that can deliver certainty of outcome without relying on rigid bank policy or near-term refinancing assumptions.

The uplift reflects a broader change in broker behaviour, with advisers increasingly prioritising lenders that combine policy flexibility, decisive credit assessment and reliable execution – without the mid-deal policy shifts and rework brokers increasingly encounter elsewhere.

“Brokers are becoming far more deliberate about who they place deals with,” said Royden D’Vaz, General Manager – Distribution and Partnerships at Assetline Capital.

“In SMSF, Alt Doc and investment scenarios especially, brokers don’t just need competitive pricing – they need confidence that the deal will get approved, settle as structured, and hold over the long term. Our growth in Horizon settlements reflects brokers actively choosing certainty over complexity where a long-term structure is the right solution.”

Horizon Mortgages offer 30-year loan terms across Prime, Near-Prime and Specialist profiles, supporting owner-occupied and investment lending, including SMSF and Alt Doc scenarios. As a non-bank lender, Assetline Capital applies a practical, common-sense credit approach, assessing each scenario on its merits rather than forcing deals to fit inflexible templates.

According to Arthur Karvelas, State Manager (Victoria) at Assetline Capital, this approach is resonating strongly with brokers on the ground.

“Brokers continue to use short-term lending solutions where timing and transition require it,” Karvelas said.

“But increasingly, they’re coming to Assetline when they want clarity on which structure genuinely fits the client’s longer-term position. Our credit team engages early, decisions are clear, and policy doesn’t shift mid-deal. That reliability matters – particularly for investors and SMSF clients who want a structure they won’t need to revisit every couple of years.”

The increase in Horizon settlements has been most pronounced where brokers are balancing affordability today with resilience over time – including portfolio investors, self-employed borrowers and SMSF trustees seeking lending solutions that can withstand future serviceability changes.

To further support brokers in the current environment, Assetline Capital is offering reduced pricing across residential Prime Horizon Mortgages up to 70% LVR, providing a timely lever for high-quality residential and investment scenarios where both pricing discipline and long-term structure are critical.

“Non-banks play an increasingly important role in today’s lending market,” D’Vaz said.

“Our focus is on being the lender brokers trust to execute – not just approve – and on supporting brokers with the right solution at the right time, whether that’s short-term, long-term, or something in between.”

For further media information and interview requests please contact:

Petro Kaloterakis, Marketing Lead – Assetline Capital
petro.kaloterakis@altx.com.au
0459 946 280