Australian Property Podcast This is what APRA’s changes mean
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Dec 6, 2025 This week, the hosts dive into Australia's fastest residential construction growth in a decade and discuss an eye-popping inflation gauge hitting 3.8%. They ponder whether the country is on the verge of becoming a nation of renters. Their insights on APRA's changes reveal limited immediate impacts on high debt-to-income loans. The Listener Q&A addresses various concerns, from buying strategies to investment property decisions, providing engaging advice for savvy investors.
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APRA’s Gentle Macroprudential Warning
- APRA will cap high debt-to-income lending to 20% of new loans from Feb 1, 2026, as an early brake on rapid credit growth.
- The move affects few borrowers now but signals regulator readiness to tighten further if investor lending accelerates.
Investor Credit Growth Is Triggering Scrutiny
- Investor credit growth recently hit the strongest pace in a decade, prompting APRA's watchful stance.
- The regulator may target trust and SMSF lending next if investor activity keeps accelerating.
A Renewed Residential Construction Surge
- Residential construction growth is at its fastest outside the pandemic and apartment projects are picking up across major cities.
- Increased building could plug housing shortfalls but risks repeat localized oversupply if developer pre-sales fail.