About this episode
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.
