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Changing finance landscape

Borrowing gets tougher

The residential finance landscape is now more complicated then ever. 2015 saw APRA enforce higher capital requirements on banks aimed at curbing investor lending.

Banks now offer different interest rates, depending on whether loans are interest only and / or investment loans. In addition, banks have,

  • brought in lending caps on high risk postcodes,
  • reduced loan to value ratios and
  • brought in restrictions on lending to foreign buyers.

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