APRA Changes the Rules for Australian Property Investors?

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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Capital Growth 12 months, measures the increase in a property’s value over the previous 12 months, indicating how much the investment has appreciated in that timeframe.

Capital Growth 10-year annualised, reflects the average annual increase in a property’s value over the last decade, smoothing out short-term fluctuations to show long-term appreciation trends.

Vacancy Rate, indicates the percentage of properties that are currently unoccupied in that postcode, It’s a key indicator for investors to assess the rental demand.

SMSF Property Investing, when investing inside your SMSF there are some restrictions on how you can purchase investment properties. We use the following information to help navigate the SMSF investment property options.

This property is a single-contract property suitable for an SMSF.

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