Help guide
Debt-to-income (DTI) in lending: simple snapshot
How APRA supervisory lens on high DTI flows into lender appetite—this is background, not your personal ratio computed here.
Why DTI appears
Regulators watch aggregate high DTI lending—some lenders cap books or price harder when debt multiples of income stretch.
Your broker routes files to matching appetite rather than brute-forcing declines.
Not identical to servicing
Serviceability floors interact with buffers—two borrowers with identical DTI can still score differently on living expenses shading.
Treat forum DTI chatter as entertainment—engines, overlays and human credit assessors diverge materially between banks.