There is a strong chance that by the end of November the Reserve Bank will have announced the return of loan-to-value ratio restrictions. They initially removed these in May this year for a 12 month period as they, and every other major economist, predicted significant price drops on the back of Covid-19. This hasn't eventuated and instead, we are in the middle of a runaway housing market. The facts have changed and perhaps so have the Reserve Bank's views on the LVR restrictions.

In this podcast Mark and Kris discuss:

• What you need to consider if the LVR restrictions return
• Why you need to split bank now

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Disclaimer: Property Ventures Real Estate Limited is a Licensed Agent under the REAA 2008. The New Zealand Property Podcast does not purport to be comprehensive nor to provide specific advice. Any opinions expressed in this podcast may not match the opinion of Property Ventures Real Estate. No person should act in reliance on any statement made within this podcast without first obtaining professional advice.