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.

What is the real effect of inflation on property prices? The old adage “property is inflation proof” remains valid although inflations true impact on property prices isn’t always immediate or straightforward. While the past few years have seen consumer prices surge, property values have fallen, leaving many wondering “I thought house prices were inflation proof and increased by the rate of inflation so how can inflation be high while house prices drop?” The answer lies in tim