As risky debt increases and house prices soar, banks have been told to apply a slightly tougher test on a person's ability to afford their mortgage.But what does it mean DOLLAR-wise and WHO will be impacted the most?And will it actually take some HEAT out of the booming Australian property market.Peter Tulip - Chief Economist at Centre for Independent Studies and Felicity Emmett - Senior Economist at ANZ join Gillian to discuss.See omnystudio.com/listener for privacy information.