Treasurer Josh Frydenberg has hinted that a reining in of home loans will happen before the end of the year as concerns grow about surging prices. They’re up 18.4% over the past year thanks to ​​record-low interest rates – and that’s seen some large loans offered to home buyers. Cue talk of new restrictions on the amount that can be lent and who financial institutions can lend to. Even the International Monetary Fund has urged regulators to cool the boom… It’s been done before, and this time around, reports say we’re likely to see debt-to-income ratios that make it harder for Aussies to get massive home loans. Analysts say that would hit investors hardest.