Sun, 18th Jan 2026

On this episode of Financial Services Online, we discuss the Coalition's suggested changes to loan approval criteria, aiming to aid first-time property buyers in Australia. However, the Australian Prudential Regulation Authority (APRA) warns against manipulating current measures due to potential increased systemic risk. In response to high household debt, APRA is limiting high debt-to-income ratio home loans. Banks will restrict issuing over 20% of new loans to borrowers surpassing six times their annual wage - a move set to predominantly affect investors. Additionally, we note the rise in business and home lending, reportedly boosted by lower interest rates and constant consumer demand. Lastly, we address the financial collapse of luxury caravan manufacturer, Zone RV, revealing a $40 million debt, 240 job losses, and underscoring the need for crucial research and financial security in consumer investments.