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And APRA get to grow their remit after the inevitable expansion of the non-bank lenders becomes a "systemic risk" as a result of all this. Nice work! In the meantime, who are looking likely to become the best lenders outside of the current APRA tent?

Bank share prices were pricing in a fair bit of lending growth courtesy of lower interest rates. This sort of thing cuts back on the whole growth story quite considerably. In addition, if banks have to hold more capital while doing less lending, then the return on that capital drops for both...

Euro - the same can be said for CIPs, regionals, flocks of bats, development or any other "higher yielding, perception of higher risk" property investment out there. Just quietly, there is a lot more to profitable property investing than just NRAS... and I'm yet to be convinced that paying down...

Just to point out the obvious - in any market there are always sellers for all sorts of reasons. Like others I don't see the number of sellers changing much as a result of this. I do see the number of buyers dropping as a result of this though - with investors buying 50% of properties now and...

Anyone seeing any changes to fixed loan rates? Rolling over 1 year fixed rates could become a viable alternative to sitting on variable rates with no discount?

Yes, except at lower prices and higher rents than would otherwise have been the case. IMO this will severely hamper investment lending to the benefit of OOs, which is the balance APRA want to restore here. So probably a good time for PPOR upgrades!