New LVR limits and a possible capital gains tax

Two potential property rule changes are under review, according to Kelvin Davidson of Cotality. The Reserve Bank has proposed easing LVR "speed limits", allowing banks to offer more low-deposit loans. The share would rise to 25% for owner-occupiers and 10% for investors, a change expected to benefit investors most.

A proposed capital gains tax (CGT) for investors is also being discussed but remains a significant uncertainty. While its effect on prices is debated, it may aim to increase home ownership rates.