So far we have had the following: * Westpac group - Max 70% LVR for non residents. * Westpac group - Increase their buffer on all new and existing Westpac loans. * Macquarie - reduction in servicing for capacity for IO loans. * AMP - no more taking other banks debts at actual repayments. This is a big one. * AMP - no more 100% of rental income taken but now will use negative gearing. Any others?