The Australian Prudential Regulation Authority (APRA) has released the Quarterly Authorised Deposit-taking Institution (ADI) Performance and the Quarterly ADI Property Exposures publications for the quarter ending 31 December 2025.
APRA activated debt-to-income (DTI) limits from February 2026, restricting the share of new lending at high DTI (a DTI ratio of six or greater), with limits applying separately to an ADI’s new investor and owner-occupier lending. See Activation of debt-to-income limits as a macroprudential policy tool
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