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The data comes from non-bank lender Assetline, which reports a strong lift in demand for its long-term Horizon mortgage products.
In Q4 2025, Horizon mortgages accounted for 59 per cent of settlements across Assetline’s full product suite, up from 39 per cent in 4Q24.
Over the same period, settled Horizon volumes increased 140 per cent year on year, with the strongest growth seen in self-managed super fund (SMSF), alt doc, and residential investment scenarios.
According to Assetline, the shift reflects a broader change in broker behaviour, with advisers prioritising long-term certainty in an environment marked by refinance fatigue, serviceability pressure, and tightening bank policy.
The lender noted that the increase in Horizon settlements has been most pronounced among portfolio investors, self-employed borrowers, and SMSF trustees, for whom brokers are balancing current affordability against future serviceability changes.
“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.”
According to Broker Pulse’s 2025 Third-Party Lending Report, competitive pricing continues to be the top priority for brokers when choosing a lender, but it is closely followed by product policy, credit assessment quality, turnaround times, and business development manager support.
To attract brokers in the current market, Assetline is currently offering reduced pricing across its residential Prime Horizon mortgages, up to 70 per cent loan-to-value ratio.
Arthur Karvelas, state manager (Victoria) at Assetline, added that brokers are still using short-term solutions where appropriate, but are increasingly focused on structure’s durability.
“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.”
[Related: Non-bank launches ‘no val’ short-term loan]