Population growth isn’t just a demographic stat—it’s a lending signal. As Australia’s population hits 27.5 million, lenders are recalibrating their policies, risk weightings, and service levels based on where people are moving. 

• VIC leads population gains, followed by QLD and WA 

• Migration-heavy zones are seeing increased lender confidence 

• Population growth drives demand for low-deposit and guarantor-backed loans 

ABS figures confirm VIC added the most residents in the last 12 months. Loan volumes are rising in outer-metro and regional growth areas as buyers move for affordability, education, and lifestyle. 

At Infinite Finance, we structure lending based on where demand is building—not where it’s peaking. Whether it’s a first home in Tarneit or an investment loan in Logan, our approach reflects migration, infrastructure, and lender appetite. 

Want your loan to match population trends? 

See how we link lending with long-term growth—watch the explainer