A huge change has just hit the lending environment, but is it the "investor crackdown" the headlines are claiming? The financial regulator, APRA, has introduced a significant new rule targeting high Debt-to-Income (DTI) lending, specifically, loans more than six times a borrower's gross income.

In this mini-episode, we break down exactly what the new 20% DTI cap means for banks and, more importantly, for you as a borrower or property investor.

Spoiler Alert: This new rule will likely not affect 90-95% of people in the market!

Don't let the scaremongering stop your property plans! Tune in to understand the facts before February 1st, when the new rule comes into effect.

General advice only and not personal advice. CRN 485467

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Chapters:

00:00 Introduction and Recent Changes in Lending Environment

00:49 Understanding the DTI Cap

02:20 Impact on Different Types of Buyers

03:25 Assessment Buffers and Lending Safety

04:32 Clarifications and Effective Date

05:15 Investor Confidence and Market Impact

06:27 Conclusion and Community Updates

General advice only and not personal advice. CRN 485467

Produced by ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠

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