PHOTO: Home lending restrictions could be eased by the end of the year, according to one economist. Photo/Dean Purcell.

Home lending restrictions could be eased again by the end of this year, an economist is predicting.

The Reserve Bank left property loan restrictions on hold today after easing them slightly in January.

Loan-to-value ratio restrictions have been in place since October 2013, requiring most home buyers to have a 20 per cent deposit.

In January they were eased to allow banks to lend up to 15 per cent of their new lending to owner-occupiers with a deposit of less than 20 per cent – up from 10 per cent.

At the same time the cap for lending to investors eased to allow the banks to lend up to 5 per cent to investors with equity of less than 35 per cent – down from 40 per cent equity.

CLICK HERE for our Australian Property News: