Mortgage Choice’s 2015 Investor Survey has found 54% of potential investors will still proceed with their investment plans despite lenders having tougher policies on investment loans. Around 70% said it was a good time to invest.

Some of the recent changes lenders have made to their investment lending policies include: restrictions on maximum loan-to-value ratios, the removal of discretionary pricing, tighter assessments for loan servicing and higher interest rates.

The data shows an increasing number of investors are Gen Ys who are purchasing an investment property before an owner-occupied property, thus giving them the opportunity to purchase where they can afford.