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Millers Point is one of several inner-city suburbs in Sydney that have made the blacklist. Other banks, including Westpac, are also set to announce a tightening of their lending criteria this weekend as the nations lenders rethink their mortgage strategies after years of extensive discounting. Those looking to buy in Brisbane City, will need to have a 20 per cent deposit. Photo:Danny Watkins/EyeEm Westpac, and its subsidiaries, will decrease the maximum loan-to-value ratio to 95 per cent from 97 per cent and lower for residential investment loans, serviced apartments, display homes, properties that are being converted to residential from other uses. These changes by NAB and Westpac are directly linked with upcoming changes to capital risk rules, which Mortgage brokers Oak Laurel West End, 249 Boundary St, West End QLD 4101 are more sensitive to Mortgage brokers Oak Laurel Nundah, 60 London St, Nundah QLD 4012 risk settings. For example, higher LVR loans, and loans that require service from money other than income will require more capital, said Martin North, principal of Digital Finance Analytics, who co-authored JP Morgans influential analysis of the mortgage industry published this week. Best discounts and lowest capital requirements will be for owner-occupied loans with lower loan-to-value ratios. The battle will centre on owner-occupied refinance, Mr North said. There are growing concerns about apartment oversupply, off-the-plan sales, and, in some areas, falling prices. Photo:Louise Kennerley NABs move comes two weeks after chief executive Andrew Thorburn told a parliamentary inquiry into banking that net interest margins are being squeezed at a time when banks are facing higher capital requirements. Lenders have also responded to pressure from the Reserve Bank of Australia , ASIC and APRA to reduce lending to higher risk investment borrowers, particularly for apartment markets in central Melbourne and Sydney, by cutting back on interest-only loans and increasing deposits to about 40 per cent of the asking price.

Mortgage broker
Mortgage broker

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