I know there is lot of noise around APRA changes. Somehow, it hasn't affected us personally as yet. I can think of three reasons We sold what we needed to and brought home large chunk of money. Re invested in growing assets. Having a gun broker. Thanks @Shahin_Afarin. Constantly reviewing portfolio,Inc equity release when due, fix loans, kept variable for flexibility Not any consumable debt.(okay $1000 credit card with loan package) Feel free to share your view!