Morning All, Just wanted to share with everyone an experience with my pre/post APRA scenario. Firstly, I am an Australian living OS and am classified as a non-resident. Initial estimates from my mortgage broker said our borrowing capacity was around $400K for our 3rd IP. This was prior to last Friday.... I check my emails this morning to see the following email from my broker: "Unfortunately on Friday, Westpac announced considerable changes to their assessment policy regarding Investment loans. One of these changes affects our borrowing power with them and where our maximum was $406K it is now under $200K which obviously creates problems. I need to ascertain if any other Lenders will consider a non-resident loan which is the category you fall in". I'm guessing my situation is a little different as an Australian non-resident, but my outlook doesn't look good. Does anyone else have the same experience during cutover?