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.
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Borrowing Capacity
Articles tagged with Borrowing Capacity.
3 articles
How Banks Calculate Your Borrowing Capacity (HEM Explained)
How banks assess borrowing capacity: HEM, the 3% buffer, new DTI caps and HELP debt, and why one bank's calculator can undersell you by $100,000 or more.
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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