Regulatory Alerts2022-02-27
Timeline for loan-to-value ratio restrictions
The regulator has published a comprehensive timeline detailing the evolution of loan-to-value (LVR) restrictions on residential mortgage lending from June 2013 to December 2025. The document outlines a series of regulatory adjustments, including the initial implementation in 2013, temporary removal during the pandemic, and subsequent tightening and easing measures targeting both owner-occupiers and investors. Most recently, the regulator eased LVR limits in December 2025, increasing the allowable share of high-LVR lending for owner-occupiers to 25% and for investors to 10%.
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