You’re our finance expert when it comes to supporting the Rochelle Adgo team and Ray White Mitchelton. We’ve got some pretty big changes starting to happen, January-February. Take us through that and what it looks like.
Definitely Rochelle. Well, I guess just before Christmas we’ve had some major updates from the government with two major changes. One, the Help to Buy Scheme, which is a First Home Buyer incentive helping people get into the market sooner, is live from the 5th of December. Which is where the government’s going to own 30 to 40% of your property depending on if you’re buying something established or brand new.
The more major one that’s come through is APRA, as of the 1st of February 2026, is putting a blanket wide rule across the market with all lenders included, capping the debt-to-income ratio to six times your income. Obviously, that’s more going to be affecting investors leveraging that high, uh, high end of that debt-to-income ratio.
They’re borrowing their equity. And current- you know, currently at the moment it’s 8 to 9 times, and that’s now going to be capped at around about 6. And then it’s going to be seen as high risk.
