APRA has quietly changed the rules for Australian property investors – and it’s not just about the 3% buffer anymore.

From 2026, a new 6x debt-to-income (DTI) cap means some investors will hit a hard wall on borrowing, even if interest rates fall.

In this video, Australian Property Review breaks it down in plain English:

• What APRA’s new 6x DTI cap actually is

• Who’s most at risk (and who probably isn’t)

• The hidden danger of running to non-bank lenders to “escape” APRA

• The 3 numbers every investor should know: DTI, cash buffer and stress-test rate

• How to adjust your strategy so you can still grow a portfolio inside the new rules

If you’re planning to buy, hold or grow an Aussie property portfolio in the next 5–10 years, you need to understand this before you sign your next loan.

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– APRA and RBA changes

– Borrowing power and lender policy

– Data-led suburb and property selection

– Real strategies used by Australian investors

👍 Like the video if you want more content on borrowing power and APRA

www.apreview.com.au

A fresh cut of national credit data shows first-home buyer intent is surging even as overall mortgage balances edge lower year-on-year. The pattern points to an affordability ceiling: buyers are funnelling into suburbs with solid transport links and a deep pool of units and townhouses that sit under common lending thresholds.Below we’ve mapped the busiest entry-level corridors and the “opportunity” pockets where medians remain closer to typical first-buyer budgets. Medians combine houses and units and are indicative only.Australian Property Review