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At the moment the amount of money lenders can access for loans is somewhat determined by how much money they hold in deposits. For every $1 they hold in deposits, they might be able to get $100 from the RBA to lend to consumers. Increasing capital requirements suggests them may need to...

Just to be clear, ANZ are only offering their published rates. The standard discounts under their Breakfree package or other loans are still available, just don't expect to negotiate a 1.1% discount.

I agree. There'll always be market segments that will be more or less affected than others by any change, but on the whole, I don't see this creating a property crash. OTP is always going to be one of the more vulnerable market segments. These changes could be the catalyst for an end to the...

My question is rhetorical. The restrictions aren't being applied retrospectively and I can't imagine that lenders would actually be able to implement that. If applied retrospectively, Australia would very quickly no longer be able to classify itself as a first world country. The GFC would...

Interesting questions. The real question to ask here is, as a result of new lending restrictions, how many of your own properties will you be selling and at what discount? For myself the answer is I won't be selling any of my portfolio and I certainly wouldn't offer discounts. I imagine...