APRA’s New 2026 Lending Rules Explained: Did Borrowing Just Get Harder?

from Commercial Property Show Australia · host Andrew Bean

What if one lending policy could change how much you can borrow, when you can borrow and even whether you stay in residential or move into commercial property sooner than planned? APRA’s new Debt to Income cap is coming, and in this episode we break down exactly what it means for home buyers, investors and anyone building a property portfolio in Australia. I’m joined by my personal finance and business broker, Charles Zerafa from Integrity Finance, who lifts the lid on how banks assess risk, how lending appetites shift behind the scenes and why this new DTI policy could reshape borrowing capacity for years to come. Whether you’re stretching for your next investment, planning your first home purchase or thinking about diversifying into commercial property, this episode gives you the insider playbook you won’t hear from your bank. In this episode we cover • What APRA’s new DTI cap actually is, why it’s being introduced and who it impacts most • How banks decide which loans to approve, what they consider high risk and why timing your application matters • How investors may reach their borrowing limits sooner and why more people could shift into commercial property • Smart ways to structure loans across multiple lenders to maximise borrowing capacity • The real world impact on home buyers, first time investors, and mixed residential commercial portfolios If you’re into commercial property investing, personal finance, residential lending strategy or building a portfolio the smart way, this is a must listen. If you got value from today’s episode, hit subscribe and share it with someone who needs to hear this. Want more resources on commercial property and borrowing strategy? Visit andrewbean.com.au or you can find Andrew on Youtube. Andrew Bean YouTube - Watch it here: https://youtu.be/YEt-lBuh_JI?si=kTOqy3K5pzWtgakz Join the Community Commercial Property Community Australia (Facebook Group) https://www.facebook.com/groups/commercialpropertyshow Commercial Property Show Website www.commercialpropertyshow.com.au Connect With Andrew HOSTED BY: Andrew Bean Ph: 0410 694 633 Website: www.andrewbean.com.au Email: [email protected] LinkedIn: http://linkedin.com/in/andrew28 YouTube: @andrewbean28 Follow Andrew on Social Media: Instagram: https://www.instagram.com/andrewbean28/?hl=en Facebook: https://www.facebook.com/AndrewBean28 TikTok: https://www.tiktok.com/@andrewbean28x Threads: https://www.threads.com/@andrewbean28 Follow The Commercial Property Show Network Website: www.commercialpropertyshow.com.au Facebook Group: https://www.facebook.com/groups/commercialpropertyshow Facebook Page: https://www.facebook.com/commercialpropertyshow/

What this episode covers

What if one lending policy could change how much you can borrow, when you can borrow and even whether you stay in residential or move into commercial property sooner than planned? APRA’s new Debt to Income cap is coming, and in this episode we break down exactly what it means for home buyers, investors and anyone building a property portfolio in Australia. I’m joined by my personal finance and business broker, Charles Zerafa from Integrity Finance, who lifts the lid on how banks assess risk, how lending appetites shift behind the scenes and why this new DTI policy could reshape borrowing capacity for years to come. Whether you’re stretching for your next investment, planning your first home purchase or thinking about diversifying into commercial property, this episode gives you the insider playbook you won’t hear from your bank. In this episode we cover • What APRA’s new DTI cap actually is, why it’s being introduced and who it impacts most • How banks decide which loans to approve, what they consider high risk and why timing your application matters • How investors may reach their borrowing limits sooner and why more people could shift into commercial property • Smart ways to structure loans across multiple lenders to maximise borrowing capacity • The real world impact on home buyers, first time investors, and mixed residential commercial portfolios If you’re into commercial property investing, personal finance, residential lending strategy or building a portfolio the smart way, this is a must listen. If you got value from today’s episode, hit subscribe and share it with someone who needs to hear this. Want more resources on commercial property and borrowing strategy? Visit andrewbean.com.au or you can find Andrew on Youtube. Andrew Bean YouTube - Watch it here:https://youtu.be/YEt-lBuh_JI?si=kTOqy3K5pzWtgakz Join the Community Commercial Property Community Australia (Facebook Group) https://www.facebook.com/groups/commercialpropertyshow Commercial Property Show Website www.commercialpropertyshow.com.au Connect With Andrew HOSTED BY: Andrew BeanPh: 0410 694 633Website: www.andrewbean.com.auEmail: [email protected]: http://linkedin.com/in/andrew28YouTube: @andrewbean28 Follow Andrew on Social Media:Instagram: https://www.instagram.com/andrewbean28/?hl=enFacebook: https://www.facebook.com/AndrewBean28TikTok: https://www.tiktok.com/@andrewbean28xThreads: https://www.threads.com/@andrewbean28 Follow The Commercial Property Show Network Website: www.commercialpropertyshow.com.auFacebook Group: https://www.facebook.com/groups/commercialpropertyshowFacebook Page: https://www.facebook.com/commercialpropertyshow/