" But the country's biggest lender, Commonwealth Bank, has in the quarter between February and the start of this month increased its loan-to-valuation ratio from 90 per cent to 95 per cent, according to the latest research compiled by Deutsche Bank.
and,
"Westpac, which lies second in the house lending league, is now allowing home owners to borrow 85 per cent of a property's price without taking out mortgage lender's insurance - cover that protects banks if people default on their loans."
