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

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

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APRA’s New 2026 Lending Rules Explained: Did Borrowing Just Get Harder? is an episode from Commercial Property Show Australia by Andrew Bean.

This episode is 41:20 long.

This episode was published on Dec 19, 2025.

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