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An additional speed limit introduced by APRA last year, requiring banks to keep interest-only loans to less than 30 per cent of their mortgage portfolio, has been retained for the time being, but is also expected to be removed.

APRA said both measures were only ever intended to be temporary.

While none of the banks came out of APRA's targeted review of residential mortgage serviceability particularly well, Westpac was fingered as a "significant outlier".

The review of 420 mortgages approved by Westpac — including the St George and RAMs businesses — found numerous failings in serviceability checks.

Investor credit, relating to banks' entire mortgage book, is growing at less than 3 per cent, down from the peak of well above 10 per cent two years ago.

The annual rate of investor lending, as opposed to overall growth in the total mortgage book, is shrinking at close to 10 per cent."Lending growth has moderated, standards have been lifted and oversight has improved.Australia currently has one of the highest levels of household debt in the developed world, sitting at more than 190 per cent of household disposable income.Our staff will tabulate the results and email you the following day with your results.If you choose someone and they chose you - it's a match.Take the time before the event starts to settle in - have a beverage if you would like and mingle should you wish.

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