APRA Limits Home Loans: Impact on Buyers & Investors
Update: 2025-11-27
Description
APRA implements new lending limits to curb high debt-to-income loans, aiming to mitigate risks for both banks and households amidst rising housing credit growth and home prices. Starting February 2023, banks must limit new loans where debt is six times income or more to twenty percent of their total new mortgages. APRA chair John Lonsdale emphasizes the potential risks of rising debt and high debt-to-income lending, particularly for investors. Industry experts warn that these restrictions could disproportionately affect younger home buyers and investors, potentially exacerbating intergenerational inequality and reducing rental property supply.
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