APRA’s New DTI Limit: 5 Myths Investors Need to Stop Believing
What Is APRA DTI limit in Australia 2026? The Australian Prudential Regulation Authority (APRA) has introduced a macroprudential lending rule that limits banks to issuing only 20% of new mortgages to borrowers with a debt-to-income ratio (DTI) of 6 or higher. This does not ban high-DTI lending. Instead, it restricts how much of it banks […]
Negative Gearing Changes: Why Investors Aren’t Panicking
Negative Gearing Changes in Australia 2026 What Mortgage Brokers Are Hearing From Property Investors Negative gearing continues to dominate Australia’s housing conversation, especially as the 2026 Federal Budget approaches. Proposed reforms such as property caps, restricted deductions, and new-build-only incentives have created discussion, but not widespread concern among investors. Mortgage brokers working directly with property […]
Is Sydney or Melbourne Better for Property Investment in 2026?
Sydney vs Melbourne Property Investment 2026 Overview Sydney continues to attract investors who prioritise long-term capital growth and market stability. Its appeal comes from limited housing supply, strong global city status, and consistently high demand across established suburbs. Melbourne, however, has become increasingly attractive for investors looking for affordability and stronger rental returns. Entry prices […]
Why It’s Harder To Buy A Home Today in Australia
Why It’s Harder To Buy A Home Today If you’ve been working, saving, and planning, but homeownership still feels out of reach, you’re not imagining it. The Australian property market in 2025–2026 has created unprecedented challenges for first-time buyers. Rising prices, limited supply, and tighter borrowing power have combined to make the journey to your […]
