APRA Tightens Lending Rules - What It REALLY Means For Property Investors (DTI Explained)
Planning to invest more in property this year? Borrowing through a trust? You could be on a collision course with new APRA lending caps.
In this episode of the No BS Property Investing Podcast, we’re breaking down two MAJOR changes that are shaking up the Australian property investing landscape:
- APRA’s new Debt-to-Income (DTI) restrictions
- The crackdown on trust and company lending (including big moves from Macquarie Bank and CBA)
Tune in to hear about:
✅What the new APRA DTI rule means in simple terms
✅How debt-to-income ratio caps may affect your borrowing capacity
✅Why trust and company lending is being restricted (and who’s most at risk)
✅What investors using trust structures should be aware of
✅The role of second-tier lenders and non-bank lenders
✅How to future-proof your investment finance strategy
✅The truth about rentvesting, interest-only loans, and the 3% buffer
Key moments:
00:01:42 What the DTI rule actually means
00:04:42 The 3% buffer explained
00:06:20 Who should worry
00:09:40 Trust lending shutdown begins
00:12:00 The trust "hack" exposed
00:15:00 Refinancing risks
00:17:40 Non-bank lender options
00:19:40 What about loopholes?
00:21:20 The optimal strategy
This episode is essential listening if you’re:
• A current or aspiring property investor in Australia
• Considering using a trust or company structure for investing
• Concerned about your borrowing power or serviceability
• Wanting to build a sustainable property portfolio in a shifting lending landscape
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👉Get In Touch With ALIC
https://www.ripehouseadvisory.com.au/lp/24/8/investment-lending-sign-up
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👉Access our “Top-Performing Suburbs” report to see the highest growth suburbs right now:
https://www.ripehouseadvisory.com.au/lp/25/09/pd/top-performing-suburbs-report-2025
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✅About Mark From ALIC✅
Ranked as Australia’s leading residential broker for the past seven years, Mark Davis is a director and investment lending manager at ALIC.
Winning 23 times broker of the year and $4.5 billion+under management - he co-founded the company in 2009 and has forged it into one of Australia’s most respected brokerages.
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✅About Ripehouse Advisory✅
Through their innovative ‘done for you’ property investment system, Ripehouse Advisory simplifies the investment process - enabling investors to build a property portfolio that generates substantial returns.
With a focus on long-term relationships, personalised strategies, and thorough research, Ripehouse Advisory empowers investors to create a financial legacy that can be passed on to future generations.