#APRA

APRA's July 2026 review left the 3% serviceability buffer unchanged. Combined with the 6× debt-to-income cap (20% of new lending above 6×) and a 4.35% cash rate, here is exactly what these rules mean for your borrowing power, refinancing options, and loan application strategy.

APRA's 3% serviceability buffer and 6× DTI cap are the two binding constraints on Australian mortgage borrowing in 2026. A single on $100K can borrow ~$520K; a couple on $200K can borrow ~$1.1M. See how HECS, credit cards, and existing debt reduce your limit.

Self-Managed Super Fund property loans in 2026 face tightening lender criteria and APRA-driven retreat. This article maps the current 7-lender landscape, the 30% deposit threshold, and SMSF compliance traps.

A 2026 guide to Self-Managed Super Fund residential and commercial property loans: APRA-driven restrictions, the LRBA structure, current lender landscape, deposit and serviceability rules, and the financial trade-offs vs ungeared SMSF property purchase.

Understand how APRA (Australian Prudential Regulation Authority) serviceability rules affect lending and interest rates.