Marty posted an excellent thread in SS so its good to keep that thread running - here are CBA's credit changes (they are quite big changes): NEW SERVICING LOADING - we will automatically apply a new servicing loading of 20% to all repayments on existing CommBank and OFI Home/Investment Home Loan and Lines of Credit. ----- This is a significant impact to servicing - the bigger your portfolio/debt the bigger the impact. CHANGES TO INCOME VERIFICATION - we will only accept 80% of any Work Allowances/Overtime, Investment income, Bonuses and Commission for servicing purposes for all new Home/Investment Home Loan and Line of Credit applications. ----- I don't think this is a huge impact for the majority of borrowers. NEGATIVE GEARING CHANGES - for all new Investment Home Loan applications we will remove negative gearing calculations for servicing purposes where the base LVR is more than 90%. ----- I don't think this is a huge impact for the majority of borrowers. 90% plus LVR lending is becoming more and more difficult and everyone just needs to adjust to this. NEW LVR FOR OWNER OCCUPIED - the maximum LVR (including LMI capitalisation) for all Owner Occupied Home Loan applications is now 95%. ----- This has been reduced from 97%. I don't think this is a huge change. REDUCTION IN RENTAL YIELD - we are reducing the maximum acceptable gross Rental Yield for servicing on investment properties to 6% p.a. ----- NAB have had a similar policy. I don't think this is going to be a huge impact for the majority of investors.