With the new lending changes that have taken place have you been effected? Changes may be eg; increased rates, borrowing power effected or larger deposits required!!! For me personally I have not been effected at all here is my situation: PPOR: No debt - No issue IP1: LVR at 25% now - Variable rate but loan only 100K IP2: LVR at 40% now - no changes here. Fixed rate 150K IP3 (Development Site): LVR at 25% - Rates have increased but no real change as LVR is really low. IP4: LVR at 75% - increased rates have increased my P and I loan by $25.00 a month but we have just increased our rent so no issue there. With most of my properties in low LVR territory no real effect for me.... Interesting enough, speaking to real estate agents the market in Melbourne is still hot sure there has been a few less buyers at open but the ones that are shopping are more genuine!!