748 APRA’s lending cap, major NSW & VIC zoning changes & the 2% shared equity scheme

John and Rach break down three huge property changes hitting the headlines: APRA’s new lending cap coming february 2026, NSW & VIC’s town-centre zoning reforms and the national rollout of the 2% shared-equity scheme.

👉🏾 what APRA’s DTI cap actually is and who it affects

👉🏿 what's causing prices to continue going upward

👉🏻 tips for investors amidst the changes

👉 the winners and losers of NSW/VIC town-centre upzoning changes

👉🏼 2% shared-equity scheme explained + pros and cons

👉🏽 a warning about gap finance

👉🏾 use the shared equity scheme vs live or invest regionally

Check out where rezoning is happening in NSW here: https://www.planningportal.nsw.gov.au/

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Rachelle Kroon is the director and founder of Sphere Home Loans, which sponsors this podcast. Need a mortgage broker? Check out https://www.spherehomeloans.com.au/

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