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My understanding is the margin is scaled. Higher LVR = higher margin like the olden days. Once upon a time us oldies remember when a IP loan was 1.5% more than owner occupied and always was. If you moved from PPOR you needed bank approval (not automatic) and if they agreed up went the rate. The...

If they curb lending through requiring banks to hold more capital it will result in less lending demand. It may be inflationary. Rents go up. Demand for IPs goes up then, not down. A change to the economy may take several years to be measured. Even the I argue it wont work. Easy to bypass.Just...