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.

This fixed term tenancy early termination case shows how leaving early does not end rent obligations. The Tribunal ruled that rent continued until new tenants began their lease. It highlights why hardship must be unforeseeable to shorten a fixed term.