Episode Details

In this urgent episode of SugarMamma’s Fireplay, I sit down with senior mortgage broker John Micalizzi from Blue Lantern Home Loans to unpack APRA’s new Debt-to-Income (DTI) rules – what they mean, who’s most at risk, and why you cannot afford to ignore your numbers.

John can assist you with any concerns regarding your DTI. 

John' contact details: john@bluelantern.com.au Mobile:  0411 706 228  

Blue Lantern address: Level 6, 309 George Street, Sydney, NSW 2000

If you have:

• A large mortgage

• Investment properties

• Interest-only loans

• Or you’re planning new lending, refinancing or debt recycling

…this episode is essential listening.

We talk about why this change is a proactive “pre-emptive strike” by APRA, how the new 20% cap on high DTI loans works, and the very real risk of being pushed into higher repayments, forced P&I, or simply being told no by your bank – especially with current backlogs and delays across the major lenders.

What we cover inside the episode

• What DTI actually is
  – How to calculate it in plain language (total debt ÷ total gross income)
  – Why all debts count: mortgages, credit cards, HECS/HELP, personal loans, etc.

• APRA’s new DTI rule explained
  – The new cap on loans with DTI of 6 or more
  – Why APRA has brought this in now as a protective measure
  – Why it’s a blanket rule across owner-occupiers and investors

• Who’s safe and who needs to worry
  – Borrowers with DTI well under 6 vs those above 6
  – Why high-debt, high-leverage borrowers and some invest