Borrowing Power
The DTI speed limit 2026: how the 6x debt-to-income cap affects you
APRA's new rule caps large-DTI lending at 20% of new loans from Feb 2026. Who gets caught and what to do.
Borrowing Power
APRA's 3% serviceability buffer explained and why it caps your borrowing
Why lenders test your repayments at 3% above the actual rate — and how it shrinks your maximum loan in 2026.
