AU Australia property term
Debt-to-Income Ratio (DTI)
Australia-wide
Plain-English definition
A lending measure comparing a borrower's total debt with gross annual income.
Why this matters to a foreign buyer
From February 2026, APRA-regulated banks may allocate no more than 20% of new owner-occupier and investor lending separately to loans with DTI of six or more. This is a portfolio limit, not an automatic ban on every such borrower.
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