> The government tightened the lending rules so regular first home buyers and owner-occupiers can't get such a big loan anymore. I know nothing about the situa

> The government tightened the lending rules so regular first home buyers and owner-occupiers can't get such a big loan anymore. I know nothing about the situation in New Zealand, but taking what you say at face value, they are the victims. It's just that now, as opposed to bidding high on houses they could barely afford, they can't afford to enter the market at all. So things are even worse for them.