Mum and dad investors are pulling out of the property market.

The housing market is shifting to focus on the needs of your everyday owner-occupier, but the demand for rentals as still as high as ever and it doesn't look like that will change any time soon.

The problem is that, among other reasons, the cost of running a rental is at an all time high, debt-to-income and loan-to-value ratio rules have blocked a lot of access to funding, and long-term capital gains aren't what they once were - all leading to more professional property investors.

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If you're declaring yourself as the bank of mum and dad, you'll need to have some conversations with your children about what they can afford - and what happens if that changes.

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Westpac's economists are picking 6 consecutive OCR hikes from December - they're forecasting that it will hit 4% by the end of next year.

The OCR dropped to 2.25% just before Christmas, which is where it stands now, but there have been rumblings for some time that we'd start seeing hikes soon, as all major banks lifted long-term loan rates.

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