Australia Loans Calculators

Q: Is 6x DTI a personal borrowing ban?

No, the threshold only decides which loans draw down a bank's 20% quarterly allocation. A clean 6.5x file can still be approved from that quota, but rationed approvals favour timing (early in the quarter) and lender choice, and investor books hit the limits first.

Q: What counts as debt in the DTI calculation?

All of it: existing mortgages, personal and car loans, plus roughly 3% of your credit card LIMITS as assessed monthly liability regardless of balances. Cancelling limits you never use is the fastest way to shrink the ratio before an application.

Q: Why are new builds exempt from the cap?

Deliberate policy: construction and new-dwelling purchases sit outside the quota to steer credit toward housing supply. An investor brushing against 6x will find lenders far more willing on a new build than on an established property at the same price.

Free, localized loans planning tools updated for the 2026 financial year in Australia.

APRA's February 2026 rule caps high debt-to-income lending: banks may write at most 20% of new mortgages per quarter at 6x income or above, counted separately for owner-occupiers and investors, with new-build construction exempt. The checker here computes your exact multiple, flags whether your application lands in a lender's rationed quota bucket, and shows the largest loan that keeps you under the line, plus the serviceability arithmetic that still applies underneath.

Available calculators

Government-Sourced DataAll calculators built from official regulatory sources by Galvin Mendonca, Finance Researcher

All figures from primary government sources. Last updated July 2026.

Frequently Asked Questions

Is 6x DTI a personal borrowing ban?

What counts as debt in the DTI calculation?

Why are new builds exempt from the cap?

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Australia Loans Calculators

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