So, you might have heard a bunch of stuff in the media since late 2021 about banks declining lending and the housing market plummeting. So what’s going on? Here’s my take: Well, the Government made changes to regulation increasing the obligation on lenders around responsible lending effective December 2021. Without getting too technical for the purposes of this article, the primary focus then went from Loan to Value Ratio (LVR – amount of the loan to value of the property b