In this episode, George breaks down APRA's new Debt-to-Income (DTI) rule coming in February 2026—and why investors shouldn't panic. The rule limits banks to approving only 20% of new loans to borrowers with a DTI above six, but most lenders are already well below this threshold.

George explains how this move is more of a light "tune-up" than a crackdown, aimed at slowing down high-risk borrowers while creating a rare buying window for educated investors. With fewer investors able to borrow, rental supply tightens, rents rise, and cash flow strengthens—setting up a classic accumulation phase.

Mortgage broker Barbara adds that lenders still have plenty of room under the cap, and experienced investors often get more flexibility from banks than first-timers.

George also answers questions on rental vacancies, buying property with a partner, Super 6 structures, commercial property risks, inheritance tax, and why Victoria may currently be one of the strongest buying opportunities.

About Money for Life:
Every week, Money for Life Mastermind brings you real conversations about wealth, mindset, and freedom — hosted by George Markoski, with experts who know what it takes to succeed.

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