RBNZ's new DTI restrictions may disproportionately affect first home buyers, low-income individuals, and SMEs.

RBNZ's new Debt-to-Income (DTI) restrictions could disproportionately affect first home buyers and low-income individuals, potentially leading to financial disadvantage. The measures, set to take effect soon, are seen as a blunt tool that could inadvertently favour property investors and the affluent. SMEs may also struggle due to business loans often being secured by the family home.