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From 1 February next year, banks must limit high debt-to-income ratio to 20 per cent of new lending. The Australian Prudential Regulation Authority (APRA) is bringing in new lending curbs for high debt-to-income (DTI) mortgage lending to pre-emptively contain a build-up of housing-related vulnerabilities in the financial system. From 1 February, banks must limit home lending of six times income (or more) to 20 per cent of their new mortgage lending.

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Talk of an early 2026 cash rate increase is premature, according to a leading economist, who argues the Reserve Bank of Australia (RBA) is more likely to keep rates steady next year than return to tightening.

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https://htw.com.au/wp-content/uploads/2025/12/HTW-Month-in-Review-Nov-2025-Resi.pdf

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Entering the property market is no easy feat for a first homebuyer, and it's common for parents to want to help first homebuyers either through gifting funds for the deposit, or by acting as guarantor on the loan.

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The gap between house and unit prices in Australia continues to widen, despite the affordability advantage offered by units, according to new figures released by property data firm Cotality. Over the past five years, house values in capital cities have increased at nearly two and a half times the rate of unit values, pushing the premium for a house to a record 32.4% in September. In Sydney, the gap between the median house and unit value has reached 76%.

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