Pizza and Property APN Headlines - Read by Todd Sloan 11/28/2025
Nov 27, 2025
This week, the banking regulator APRA introduces home loan caps to tackle high-debt lending. The cap limits banks to only 20% of new loans with high debt-to-income ratios. Meanwhile, over 82,000 houses sit stalled due to missing infrastructure like sewer and roads, attributed to government coordination issues. Additionally, South Australia discusses plans to phase out stamp duty, sparking debates about potential revenue losses. It's a packed week in Australian property investing news!
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APRA Introducing High-DTI Loan Cap
- APRA will cap banks so no more than 20% of new loans go to borrowers with debt-to-income ratios of six or more from Feb 1, 2026.
- The rule excludes bridging and new-dwelling loans and acts as a preemptive guardrail against risky high-debt lending.
Infrastructure Bottlenecks Halt Thousands Of Homes
- At least 82,000 approved homes nationwide are stalled because essential infrastructure like sewer, water and roads is missing.
- Federal and local coordination failures plus underfunding are the main causes blocking construction despite land and approvals existing.
Watch Government Funding Unlock Developments
- Expect government investment to target critical infrastructure unlocking stalled developments, with $1.5 billion announced for water, sewers and roads.
- Monitor federal infrastructure programs to identify when stalled estates become buildable and time your purchases accordingly.