Banks will apply some tightening, its natural they get scared like everybody else. But what they are unlikely to do is what skip said they "will do" - "tighten right up". As things settle as they will eventuslly they will loosen it again and this is the point or period, give or take, of max benefit for first home buyers. So just keep saving, the worst that can happen is you end up with a larger desposit..
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