APRA has announced a new round of lending changes, including updates to DTI rules — and the headlines are loud.

But what do these changes actually mean for the Australian property market?
And more importantly… what do they mean for your as an investor or homebuyer heading into 2026?

In today’s episode, Callum's back as we break down:
what APRA has introduced
who is most likely to feel the impact
how banks and lenders may respond
the flow-on effects for borrowing power and strategy
how the market has reacted to similar interventions in the past
and what to consider as you plan your next move

No hype. No panic.
Just a clear, grounded conversation about how these changes shape the road ahead — and what to be aware of as the lending landscape evolves.

If you’ve been wondering “what does this actually mean?”, this episode is for you.

See you on the inside. 


IMPORTANT: The Investor Lab is for educational purposes only and does not constitute financial advice. Always do your own research and seek independent professional advice before making any investment or financial decisions.

--

WATCH ON YOUTUBE: 
Has APRA Killed Investment Lending? (What It Means for 2026)



MENTIONS:
Did Macquarie Just Break Property Investing? (The Truth About Their Lending Freeze)
How To Build A Property Portfolio That Pays For Itself
Need help with your finance strategy? Chat with the Callum and the team: 
http://hey.dashdotfinance.com.au/discoverycall


----

OTHER RESOURCES TO HELP: 
Join the conversation: The Investor Lab Community 
Looking for a team to partner with you in your portfolio building journey? 
Book a no-obligation discovery call with Dashdot: https://bit.ly/3E0wKGa
Need finance guidance? Chat with the Dashdot Finance team:
http://hey.dashdotfinance.com.au/discoverycall
Build Your FREE Portfolio Growth Plan on Property Pathfinder:
https://propertypathfinder.io
Got a question or some feedback? We're all ears!
https://bit.ly/tilqs

–

Catch Up On Recent Episodes:
What Most Property Investors Get Completely Wrong
The Brutal Truths About Property Investing for Cashflow Right Now
Did Macquarie Just Break Property Investing? (The Truth About Their Lending Freeze)
How to Build a Portfolio That Works When the System Doesn’t
Australia's Property Market Is About To Explode (Here's Why)
Managing a Market Meltdown: What Smart Investors Do When Chaos Strikes 
Why You Feel Poorer Even as the World Gets Richer
AI, Housing & Money Printing: 3 Big Questions Shaping Your Financial Future 
Turning Property Wealth Into Retirement Income
The Great Melt-Up: When Trust in Money Dies 
The Illusion of Prosperity: Why Getting Ahead Feels Impossible 
First Home Guarantee Scheme, Property Scarcity, and Why It Matters for Everyone Else
NZ Property Market Crash: What Does It Mean For Australia?
Bitcoin vs Australian Real Estate
We Answer Everything: When You Have "Enough" Money, Why Cash Flow Is Dead & The Future of Money
Why You Need To Retire Earlier Than You Think
Beyond2030: The Prosperity Wave Most Investors Will Miss (Biggest Opportunity Ever)
Why Your Buyers Agent Might Be Leading You Into a Property Trap
How To Build A Property Portfolio That Pays For Itself
The Coming US Debt Collapse (And What It Means For Australia) 
How to Help Everyone You Care About Win in the New Economy
How to Design a Life You Won't Regret in the Next 5 Years
How AI Will Change Your Economic Future 
AI Is Here: And Most People Aren't Ready
Is A Supercycle Coming? (Housing Market Outlook)
The Inner Game of Investing
Trusts & SMSFs: How Advanced Investors Are Rethinking Their Structures in 2025
Tariffs, Trade Wars, and What It Means For Your Portfolio
Portfolio Acceleration Masterclass
Financial Jiu-Jitsu: How to Break Through Your Portfolio's Cashflow Constraints
Winning the Investment Game: How to Set & Beat Your Hurdle Rate
Fake Gold? Markets Down? Liquidity Up? – What’s REALLY Going On?
The RBA Just Changed the Game — Here’s What It Means for You
Hold vs Sell: How to Know When to Take Profits
Bitcoin: Why Every Property Investor Needs to Consider Owning It
Everything You Need To Know About Property Investing Finance
Property Investing In Australia In 2025: What You Need To Know
Investment Strategies for 2025
Follow the Money: How Liquidity Drives Asset Prices (and How You Can Benefit)
What You Don’t Know About Money Could Cost You Everything 

-- 

Connect:
dashdot.com.au 
youtube.com/@theinvestorlab 
instagram.com/dashdotproperty
instagram.com/goosemcgrath
instagram.com/gabi.billing

APRA has announced a new round of lending changes, including updates to DTI rules &mdash; and the headlines are loud.
But what do these changes actually mean for the Australian property market? And more importantly&hellip; what do they mean for your as an investor or homebuyer heading into 2026?
In today&rsquo;s episode, Callum's back as we break down:
<ul>
<li>what APRA has introduced</li>
<li>who is most likely to feel the impact</li>
<li>how banks and lenders may respond</li>
<li>the flow-on effects for borrowing power and strategy</li>
<li>how the market has reacted to similar interventions in the past</li>
<li>and what to consider as you plan your next move</li>
</ul>
No hype. No panic. Just a clear, grounded conversation about how these changes shape the road ahead &mdash; and what to be aware of as the lending landscape evolves.
If you&rsquo;ve been wondering &ldquo;what does this actually mean?&rdquo;, this episode is for you.
See you on the inside.&nbsp;
 IMPORTANT: The Investor Lab is for educational purposes only and does not constitute financial advice. Always do your own research and seek independent professional advice before making any investment or financial decisions.
--
WATCH ON YOUTUBE:&nbsp; <a href="https://www.youtube.com/live/UjsCTXitO48?si=BBONm_T6J8kBo4OS">Has APRA Killed Investment Lending? (What It Means for 2026)</a> <a href="https://youtu.be/1zfo9QejloE?si=lmfFV23ZswooQ3Ve"></a>
 MENTIONS:
<ul>
<li><a href="https://youtu.be/_8rTmruyACc?si=0QV69_RV4xW1pZXX">Did Macquarie Just Break Property Investing? (The Truth About Their Lending Freeze)</a></li>
<li><a href="https://youtu.be/qJ4KZqd5FAQ?si=lu3aVG1kRKrAer0P">How To Build A Property Portfolio That Pays For Itself</a></li>
<li>Need help with your finance strategy? Chat with the Callum and the team:&nbsp; <a href="http://hey.dashdotfinance.com.au/discoverycall">http://hey.dashdotfinance.com.au/discoverycall</a></li>
</ul>
 ----
OTHER RESOURCES TO HELP:&nbsp;
<ol>
<li>Join the conversation: <a href="https://theinvestorlab.circle.so/join?invitation_token=223037761a53a5963252a2eae4268d6d62ef26a9-8b530745-2474-41bd-8b7c-e33dc5c0c811">The Investor Lab Community</a>&nbsp;</li>
<li>Looking for a team to partner with you in your portfolio building journey? Book a no-obligation discovery call with Dashdot:&nbsp;<a href="https://bit.ly/3E0wKGa">https://bit.ly/3E0wKGa</a></li>
<li>Need finance guidance?&nbsp;Chat with the Dashdot Finance team: <a href="http://hey.dashdotfinance.com.au/discoverycall">http://hey.dashdotfinance.com.au/discoverycall</a></li>
<li>Build Your FREE Portfolio Growth Plan on Property Pathfinder: <a href="https://propertypathfinder.io">https://propertypathfinder.io</a></li>
<li>Got a question or some feedback? We're all ears! <a href="https://bit.ly/tilqs">https://bit.ly/tilqs</a></li>
</ol>
&ndash;
Catch Up On Recent Episodes:
<ul>
<li><a href="https://youtu.be/7F5c9xifVS0?si=rMXycnaGeYe5dCsG">What Most Property Investors Get Completely Wrong</a></li>
<li><a href="https://www.youtube.com/live/wJCJYi_t0HI?si=TzUUkOu9dcizK683">The Brutal Truths About Property Investing for Cashflow Right Now</a></li>
<li><a href="https://www.youtube.com/live/_8rTmruyACc?si=cq9EjBQzDbvCdrbM">Did Macquarie Just Break Property Investing? (The Truth About Their Lending Freeze)</a><a href="https://www.youtube.com/live/_8rTmruyACc?si=cq9EjBQzDbvCdrbM"></a></li>
<li><a href="https://www.youtube.com/live/z5-ZbFNC80Y?si=vQ4XQZKTGfvKmVJs">How to Build a Portfolio That Works When the System Doesn&rsquo;t</a></li>
<li><a href="https://www.youtube.com/live/Vtqij0VNzDQ?si=d-98izJJr1ZZ3AUg">Australia's Property Market Is About To Explode (Here's Why)</a></li>
<li><a href="https://www.youtube.com/live/C5J1sBLPQ88?si=92jFz7WK0Y9-punH">Managing a Market Meltdown: What Smart Investors Do When Chaos Strikes</a>&nbsp;</li>
<li><a href="https://www.youtube.com/live/oyBRsMeMwPs?si=Dp9kgOhtjEFskvO5">Why You Feel Poorer Even as the World Gets Richer</a></li>
<li><a href="https://www.youtube.com/live/nPqE3SrQToo?si=bGakpRp65sP_HJVQ">AI, Housing &amp; Money Printing: 3 Big Questions Shaping Your Financial Future</a>&nbsp;</li>
<li><a href="https://www.youtube.com/live/v75IJ4BI5zM?si=ePsVI0rcNaY7QFvK">Turning Property Wealth Into Retirement Income</a></li>
<li><a href="https://www.youtube.com/live/8OvaWsC8t3E?si=3NQS3_6uHsFov6op">The Great Melt-Up: When Trust in Money Dies</a>&nbsp;</li>
<li><a href="https://www.youtube.com/watch/jVbtI35q-C0?si=hCy-zZPdegf74NxQ">The Illusion of Prosperity: Why Getting Ahead Feels Impossible</a>&nbsp;</li>
<li><a href="https://www.youtube.com/live/41vl5WgEpUk?si=U_j0T8vQGHSLH4Hc"></a><a href="https://www.youtube.com/live/41vl5WgEpUk?si=U_j0T8vQGHSLH4Hc">First Home Guarantee Scheme, Property Scarcity, and Why It Matters for Everyone Else</a></li>
<li><a href="https://www.youtube.com/live/Vz8iKhPQmtU?si=3QCTqTV00IkxTQQf"></a><a href="https://www.youtube.com/live/Vz8iKhPQmtU?si=3QCTqTV00IkxTQQf">NZ Property Market Crash: What Does It Mean For Australia?</a></li>
<li><a href="https://www.youtube.com/live/uR5qiclTwlc?si=gPOPwoR7Q0AbgjVe">Bitcoin vs Australian Real Estate</a></li>
<li><a href="https://www.youtube.com/live/z3wK_WvumGY?si=--dsVz2xEKOvHbJX">We Answer Everything: When You Have "Enough" Money, Why Cash Flow Is Dead &amp; The Future of Money</a></li>
<li><a href="https://www.youtube.com/live/_DL66ZT_EMw?si=i0FocASPIaKYcBcG">Why You Need To Retire Earlier Than You Think</a></li>
<li><a href="https://youtu.be/lN7J7XMKg_s?si=VofXEiN98RIQwXVu"></a><a href="https://youtu.be/lN7J7XMKg_s?si=VofXEiN98RIQwXVu">Beyond </a><a href="https://youtu.be/lN7J7XMKg_s?si=VofXEiN98RIQwXVu">2030: The Prosperity Wave Most Investors Will Miss (Biggest Opportunity Ever)</a></li>
<li><a href="https://youtu.be/L6bISq-g7dc?si=WW-JbCF9RozXD5OW">Why Your Buyers Agent Might Be Leading You Into a Property Trap</a></li>
<li><a href="https://www.youtube.com/live/qJ4KZqd5FAQ?si=FbwroRYZte9uTQQa">How To Build A Property Portfolio That Pays For Itself</a></li>
<li><a href="https://www.youtube.com/live/0sUThR39IyI?si=BVFlM_0NOEv7JT77">The Coming US Debt Collapse (And What It Means For Australia)</a>&nbsp;</li>
<li aria-level="1"><a href="https://www.youtube.com/live/0sUThR39IyI?si=e-GkOqg0KKpFLJaP">How to Help Everyone You Care About Win in the New Economy</a></li>
<li aria-level="1"><a href="https://www.youtube.com/live/_PhsvTfOxJQ">How to Design a Life You Won't Regret in the Next 5 Years</a></li>
<li aria-level="1"><a href="https://www.youtube.com/live/xZsqnfcuU9w?si=a_NzBbLNs5BLkyDz">How AI Will Change Your Economic Future</a>&nbsp;</li>
<li aria-level="1"><a href="https://youtu.be/X1nDYHHtv00?si=2Gn1W5PsAZl8oy7M">AI Is Here: And Most People Aren't Ready</a></li>
<li aria-level="1"><a href="https://youtu.be/VNlXB3qEhqQ?si=FWDJnZk1IB2Ufh6u">Is A Supercycle Coming? (Housing Market Outlook)</a></li>
<li aria-level="1"><a href="https://youtu.be/cHKxGK5O3W4?si=MOzC3TidxKPyOVhN">The Inner Game of Investing</a></li>
<li aria-level="1"><a href="https://youtu.be/W4AgKFhyMW0?si=8cpbfvWt3qqC-s_j">Trusts &amp; SMSFs: How Advanced Investors Are Rethinking Their Structures in 2025</a></li>
<li aria-level="1"><a href="https://youtu.be/cOCsUjucTlY?si=1dwqkJuaTS6tj-tR">Tariffs, Trade Wars, and What It Means For Your Portfolio</a></li>
<li aria-level="1"><a href="https://youtu.be/N1HSRv_DeSY?si=gfC7sM9gzwKoS7hv">Portfolio Acceleration Masterclass</a></li>
<li aria-level="1"><a href="https://youtu.be/1zfo9QejloE?si=lmfFV23ZswooQ3Ve">Financial Jiu-Jitsu: How to Break Through Your Portfolio's Cashflow Constraints</a></li>
<li aria-level="1"><a href="https://youtu.be/VrIInoLfZWE?si=2TgAZsBr60zVQ-iY">Winning the Investment Game: How to Set &amp; Beat Your Hurdle Rate</a></li>
<li aria-level="1"><a href="https://youtu.be/mNlEEIq1dPg?si=wjkkq2BGircmCudx">Fake Gold? Markets Down? Liquidity Up? &ndash; What&rsquo;s REALLY Going On?</a></li>
<li aria-level="1"><a href="https://youtu.be/ZJGgxy0RhOI?si=UhBcznujTuNfvbQP">The RBA Just Changed the Game &mdash; Here&rsquo;s What It Means for You</a></li>
<li aria-level="1"><a href="https://youtu.be/gVM0xAYBzwE?si=1b6BoRbirXwXqeNn">Hold vs Sell: How to Know When to Take Profits</a></li>
<li aria-level="1"><a href="https://youtu.be/XkNvBPDfmlI?si=J3zUJBx0hD5we6ea">Bitcoin: Why Every Property Investor Needs to Consider Owning It</a></li>
<li aria-level="1"><a href="https://youtu.be/2PwTeF80QIA?si=Pfgt_buSbR2RwRax">Everything You Need To Know About Property Investing Finance</a></li>
<li aria-level="1"><a href="https://youtu.be/q-ax_rnISFQ?si=VCN3I88UGbNotbud">Property Investing In Australia In 2025: What You Need To Know</a></li>
<li aria-level="1"><a href="https://youtu.be/pVz1Ns2V_cw?si=ndC9ovWVdSRyKrxi">Investment Strategies for 2025</a></li>
<li aria-level="1"><a href="https://youtu.be/D_vC4kD5ckM?si=GPWzVXPzkrPSU4yX">Follow the Money: How Liquidity Drives Asset Prices (and How You Can Benefit)</a></li>
<li aria-level="1"><a href="https://youtu.be/WlmKKv458k4?si=c15pTP_mog8FSAaS">What You Don&rsquo;t Know About Money Could Cost You Everything</a>&nbsp;</li>
</ul>
--&nbsp;
Connect: <a href="https://www.dashdot.com.au">dashdot.com.au</a>&nbsp; <a href="https://youtube.com/@theinvestorlab">youtube.com/@theinvestorlab</a>&nbsp; <a href="https://instagram.com/dashdotproperty">instagram.com/dashdotproperty</a> <a href="https://instagram.com/goosemcgrath">instagram.com/goosemcgrath</a> <a href="https://instagram.com/gabi.billing">instagram.com/gabi.billing</a>

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