money money money 849 APRA lending changes, investing for kids, investment vs sell dilemma + more
Dec 8, 2025
Join John Pidgeon and Rachelle Kroon, property investing pros, as they tackle the latest APRA lending changes coming in 2026. They clarify who will really be impacted by the new DTI rules and offer strategies for investors. The duo discusses the best ways to invest for kids, including custodial accounts and ETF options. Plus, they weigh in on the dilemma of selling versus keeping investment properties, highlighting key financial considerations. Tune in for practical advice and insights on navigating the property landscape!
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How To Answer 'Expected Salary'
- If asked your expected salary, ask the employer for the role's range before answering.
- Alternatively, reference the award and quote 20–30% above it while signalling flexibility.
Check Lending Before APRA’s DTI Rule
- Prepare your lending position before APRA's DTI rule starts in February 2026 by reviewing your loans.
- Restructure interest-only terms or talk to a mortgage broker early to avoid being declined later.
DTI Rules Target Multiple Investors
- The DTI change mainly targets multiple property investors rather than single-owner occupiers.
- Many banks already monitor DTI internally, so the rule may be a warning shot to tighten investor lending.
