What is the maximum debt to income ratio?

A maximum debt to income ratio (DTI) cap of 8 applies to all loans. 

Additionally, where the DTI is greater than 6 times, a maximum LVR of 80% applies. Please note, any application above DTI 6 is typically deemed to have an overall high-risk profile and will be considered on a case-by-case basis.  

For more information, see our Residential Home Loan Credit Guidelines.

In which circumstances are debt to income caps not applicable?

Debt to income (DTI) caps don’t apply in the following circumstances, if the minimum net servicing ratio (NSR) of 1.00 or minimum servicing surplus of $500pa are met:

  • Applications where the predominant source of income (>50%) included in servicing is non-taxable superannuation pensions
  • Applicants who have joint commitments with parties who aren’t included in the loan application, and 100% of the joint commitment has been included in the calculation.

All verifiable income should be included and submitted with the loan application.

You can also find more information in the Residential Home Loans Credit guidelines.

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