Why APRA’s stubborn serviceability buffer means you need a smarter investing strategy
Despite falling inflation and talk of rate cuts, APRA has recently confirmed it will keep the mortgage serviceability buffer at 3 per cent. So while rates may fall, borrowing won’t necessarily get easier. If anything, your strategy needs to be even sharper.
In a world where property headlines swing from boom to bust, and your feed is filled with “five properties in five years” stories, it’s tempting to think borrowing is about how much you can squeeze out of the bank.
But seasoned investors know better. It’s not about your borrowing limit – it’s about your borrowing strategy. Property investing isn’t just about bricks and mortar.
It’s a game of finance. And if you get the lending part wrong,…
