APRA Changes the Rules for Australian Property Investors?
TL;DR: APRA has introduced a new lending limit that affects Australian property investors. From 1 February 2026, lenders regulated by APRA can fund only up to 20 per cent of new investment loans where the borrower has a debt-to-income ratio of six or more. This is not a blanket ban on investor lending, but it may make it harder for highly leveraged investors to borrow at the upper end of their capacity. APRA has also kept the mortgage serviceability buffer at 3 percentage points.
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