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Record Surge in Investor Lending Reaches $72 Billion in September Quarter
APRA Responds to Rapid Growth in Investor Mortgages with New Regulations
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The information on this website is general in nature and does not take into account your objectives, financial situation, or needs. Consider seeking personal advice from a licensed adviser before acting on any information.
In the September quarter of 2025, investor lending in Australia reached an unprecedented $72 billion, marking a significant 12% increase from the previous quarter.
This surge reflects a growing appetite among investors for property acquisitions, driven by favorable market conditions and competitive lending rates.
The Australian Prudential Regulation Authority (APRA) has taken note of this rapid growth and has implemented new measures to ensure financial stability. Starting in February 2026, APRA will enforce a cap, limiting banks to approving no more than 20% of new mortgages to borrowers with a debt-to-income ratio exceeding six times their income. This policy aims to curb high-risk lending practices and prevent potential financial imbalances.
For investors, these regulatory changes may necessitate a reassessment of borrowing strategies and investment plans. Lenders are likely to adopt more stringent criteria for high DTI loans, potentially affecting the availability and terms of financing for property investments.
Prospective investors are encouraged to stay informed about these developments and consult with financial advisors to navigate the evolving lending landscape effectively. Understanding the implications of APRA's new regulations will be crucial in making informed investment decisions in the Australian property market.
Published:Friday, 13th Feb 2026 Source: Paige Estritori
Please Note: If this information affects you, seek advice from a licensed professional.
ANZ Banking Group has reported an 11% increase in profit for its Australia Commercial division over the past year. This growth is attributed to robust lending activities, particularly in the agribusiness and health sectors. - read more
In a significant achievement, IMB Bank has been named Australia's Best Personal Loan lender for 2026 by Mozo, a leading financial comparison platform. This marks the second consecutive year that IMB Bank has secured this prestigious title, underscoring its consistent commitment to providing exceptional value in personal lending. - read more
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