The Reserve Bank has announced plans to further ease mortgage loan-to-value ratio restrictions from December

It says debt-to-income restrictions introduced last year have been preventing risky lending.

Up a quarter of a bank's lending to owner-occupiers will be able to go to borrowers who put down a deposit of less than 20-percent.

That's up from the current one-fifth.

One-tenth of lending to investors will be able to go to those borrowing with less than 30-percent deposit.

That's up from the current one-20th.