Increased interest rates and tougher lending conditions might just be the beginning.... Banks ban off-the-plan lending. AMP has recently tightened the terms in which they will lend to SMSF’s for property purchases, firstly they have dropped the loan to value ratio from 80% to 70% and have advised that they will no longer lend for new properties, including off the plan developments. Also Super funds wanting to borrow must have a minimum balance of $200,000. The SMSF market ha