New LVR limits and a possible capital gains tax

Two potential property rule changes are under review, according to property economist Kelvin Davidson. The Reserve Bank has proposed easing Loan-to-Value Ratio (LVR) "speed limits," allowing banks to increase their share of low-deposit lending, which would likely benefit investors most.

Separately, Labour has proposed a 28% Capital Gains Tax (CGT) for property investors. This remains uncertain and is contingent on the election, but it signals a potential move to lower future investment returns and boost home ownership rates.