LVR restrictions allow banks to make a limited share of residential loans above standard thresholds. However, borrowers may experience these portfolio limits as blanket deposit requirements when banks apply stricter internal policies. Kieran Trass examines the difference and asks who should be accountable for borrower-based credit restrictions.

Mum and dad property investors reviewing opportunities as affordability and yields begin to rebalance. Recent commentary, including a widely discussed article by Tony Alexander published on OneRoof, has suggested that mum and dad investors are leaving the New Zealand property market for good. TL;DR: The NZ property investor exodus aligns closely with a historic interest-rate shock, suggesting a credit-cycle contraction rather than a confirmed structural exit from the market.