"lending limit", page-212

I have no way of disputing your post.

However for other readers, particularly young readers.
This is simply not the case. Banks are writing plenty of loans and are desperate to hang on to existing customers.
Have a look at how much they are advertising lately, hardly shutting the door. ANZ cut it's rates to attract more customers.

No point in me offering my own personal experiences to counter.
But I've spoken to my broker and quality borrowers are actively being sought out by banks.

I will simply tell readers to find out for themselves.
There are a lot of doomsdayers out there (particularly here) you must DYOR