apra
APRA Borrowing Power 2026: How the 3% Buffer + 6× DTI Cap Determines Your Maximum Loan APRA's 3% serviceability buffer and 6× DTI cap are the two binding constraints on Australian mortgage borrowing in 2026. A single on $100K can borrow ~$520K; a couple on $200K can borrow ~$1.1M. See how HECS, credit cards, and existing debt reduce your limit.