How the New APRA Debt-To-Income Caps Affect You

How the New APRA Debt-To-Income Caps Affect You

APRA has announced a new cap on high debt-to-income lending. From February 2026, banks will be allowed to write no more than 20% of new loans with a debt-to-income (DTI) ratio of six or above. The limit applies separately to owner occupiers and investors. It’s...