"COMMONWEALTH Bank has moved to rein in some parts of its home lending business by tightening lending criteria for investment borrowers. The bank has written to mortgage brokers advising them that loan to value ratios will be reduced to 80 per cent from 90 per cent on a range of investment home loans." ---What will this to do speculators? Not sure. But it is certainly a sign of tighter credit, and 'probably' the end of the bubble. Join discussion...