So we all know that APRA has 'tightened the screws' recently and has had an effect on most of us getting finance in the same way as we were before this. Some have found ways to deal with it and some have pulled up the hand brake whilst they reassess their next move. The effects of investors pumping money into the real estate markets around Australia and especially Sydney and Melbourne has forced APRA's hand into what the status quo is regarding getting finance. Are these current policies from APRA here because of the booming markets and will they relax them once the major market booms die down? Or are these new policies here to stay and we should just get used to the fact that from now on, finance will be alot harder to attain? Please comment.