The Lending Crackdown: Is Your Portfolio At Risk?

In this mini episode of That Backyard Property Pod, Michael explains APRA’s newly introduced lending rules, focusing on a debt-to-income cap that limits banks to issuing no more than 20% of new loans to borrowers with a DTI of 6x or higher. They outline why the rule was introduced after record investor lending through 2024–2025, clarify that it’s a quota rather than a ban, and note key exemptions such as bridging loans for owner-occupiers and loans for purchasing or constructing new dwellings. The episode highlights who is most affected—multi-property investors, self-employed borrowers, and those planning aggressive growth in 2026—and shares five actions: calculate your DTI, speak to a broker early, consider non-bank lenders, use new-build exemptions, and reduce existing liabilities.General advice only and not personal advice. CRN 485467--------------------------------------Subscribe: https://www.youtube.com/@ThatBackyardPropertyPodcastInstagram: https://www.instagram.com/backyardpropertypod?igsh=MWhkOWx5YzJxdDc3ag==Website: https://tuskfinance.com.auConnect with Michael: Facebook: https://www.facebook.com/tuskfinancemkInstagram: https://www.instagram.com/mortgageswmichael LinkedIn: https://www.linkedin.com/in/michaelkillinerTikTok: https://www.tiktok.com/@backyardpropertypodcastTusk Finance: broker@tuskfinance.com.au--------------------------------------Chapters:(00:00) New Lending Rules Intro(00:34) APRA Changes Explained(01:42) Why APRA Stepped In(02:37) DTI Cap Breakdown(03:58) Exemptions And Limits(04:43) Who Gets Hit Hardest(05:54) Guardrail Not Handbrake(06:44) Five Step Action Plan(08:22) Big Picture Strategy(08:58) Key Takeaways Recap(10:39) Closing And Next EpisodeProduced by ⁠⁠⁠⁠⁠⁠⁠⁠Podwave Studios⁠⁠⁠⁠⁠⁠⁠: https://www.podwavestudios.au #ThatBackyardPropertyPod #PerthPropertyMarket #MichaelKilliner #PerthRealEstate #WAProperty #PropertyInvesting #MarketAnalysis #PerthHousing #RealEstateAustralia #WealthCreation #PerthGrowth #Jolimont #Vash #HousingSupply #RentalCrisis #InvestingInPerth #PropertyData2026 #WestAustralia #SuburbanGrowth #PerthInvestment