Mo Money #481 APRA mortgage rule changes unpacked
Dec 17, 2025
Discover the latest APRA mortgage rule changes and how they impact property investors in Australia. Learn about the new debt-to-income cap and its implications for borrowing. Explore the reasons behind stricter lending rules, focusing on rising household debt and investor share. Hear about the risks of regional property investments and how the six-times income limit could affect various investors. Plus, find out how savvy investors can capitalize on opportunities with non-bank lenders and trust structures. Get insights on navigating these changes effectively!
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APRA Targets Investor Lending Growth
- APRA's new debt-to-income cap targets investor borrowing to reduce systemic risk in the property market.
- Ben Nash says investor share rose from ~30% to ~45%, prompting the regulator's move to cool demand.
Regional Boom-Bust Caution
- Ben Nash uses the Townsville/regional example to show how regional booms can reverse sharply.
- He recounts mining-boom patterns where smaller markets collapsed when demand evaporated.
The 6x Debt-To-Income Rule Explained
- From 2026 banks can only issue up to 20% of new loans above a 6x debt-to-income ratio.
- Ben Nash illustrates a 6x limit by showing a $200k earner could borrow about $1.2m under that cap.