01/12/2025
🚨INVESTORS: Major APRA rule coming that could hit your borrowing
From Feb 2026, banks will be capped on how many high- DTI loans they can approve.
DTI= Debt-to-Income Ratio
How much you owe vshow much you earn.
DTI 6= your total debts are 6x your annual income.
Earn $100k? Debt around $600k = DTI 6.
🏠Why investors should care
Investors usually hold multiple loans, so they’re the first to get pushed into higher- DTI category. With the new limit, banks may start to tighten up but please rest assured when one door closes another one opens and this DTI rule won’t apply at many non bank lenders which we have plenty of them on panel!
This could mean:
✔️ tougher approvals if you’re borrowing near your ceiling
✔️ lenders becoming pickier
✔️ lower borrowing power for some strategies
🧩 Who won’t feel it as much?
Owner-occupiers or borrowers not maxing out their borrowing.
đź’ˇInvestor move:
If you plan to expand, refinance or buy again, check your DTI now so you know where you sit before these rules kick in.
đź“Ł Need clarity heading into 2026?
Book an investment strategy session with our team to map out your borrowing options
