New LVR limits and a possible capital gains tax

The Reserve Bank has proposed easing LVR "speed limits," which would allow banks to offer more low-deposit loans. For investors, the share of new lending with less than a 30% deposit could double to 10%.

Separately, Labour has proposed a 28% Capital Gains Tax (CGT) for investors. According to Kelvin Davidson of Cotality, the LVR change is likely and will benefit investors most, while the CGT's future remains a significant uncertainty heading into the election.