Post-Pandemic Lending Rules: LVRs, DTIs and What Banks Now Care About
Post-Covid, lending rules are shifting: DTIs now cap how much high-multiple income lending banks can do, while LVRs are gradually easing to give more room to low-deposit buyers. For borrowers, that means banks care more than ever about stable income, realistic living costs and clean statements – and a good broker’s job is to translate all the acronyms into a strong, bank-ready application.