In a detailed analysis, Tim Carleton of Auscap Asset Management explains how Macquarie is rapidly reshaping Australia’s mortgage market. By offering competitive rates, faster turnaround times, and more attractive deposit products, Macquarie is winning favour with mortgage brokers—now responsible for most new home loans—and steadily eroding the long‑held dominance of the big four banks.

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Tim Carleton

Tim Carleton founded Auscap Asset Management in 2012. He has over 20 years’ experience in the financial services industry. From 2007 to 2011 he was an Executive Director at Goldman Sachs where he was responsible for managing an Australian equities portfolio using proprietary funds. Prior to 2007 he worked at Macquarie Bank within the Investment Banking Group. Tim has a Bachelor of Laws (Hons) and a Bachelor of Commerce from the University of Sydney and is a CFA charterholder, a CMT charterholder, a Senior Associate of FINSIA and a Graduate of the Australian Institute of Company Directors (GAICD). 

Information provided is general information and is for educational purposes only, and does not include, or constitute as, financial product advice.