Tag
APRA
Articles tagged with APRA.
4 articles
Mortgage Prison: Why You're Stuck — and Six Ways Out
Making every repayment but new lenders keep saying no? That's mortgage prison. What causes it, and six proven exits that can save about $8,400 a year.
APRA DTI Limit 2026: What the Home Loan Caps Mean for You
APRA's first DTI limit is live: from 1 February 2026, home loans at 6x income are rationed. Who's caught, who's exempt, and what to do before 11 August.
APRA's Serviceability Buffer: Your Rate Isn't Your Rate
APRA held the 3% serviceability buffer in May 2026, so lenders now test your home loan at rates above 9%. What it does to your borrowing power, in real dollars.
What Is a Debt-to-Income Ratio? APRA's New Cap Explained
Debt-to-income ratio explained: how APRA's 6x DTI cap from 1 February 2026 affects your home loan, why lenders count income differently, how to stay under.
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