Hon Dr DAVID CLARK: John Bolton, the chief executive of lender Squirrel, remarked that these were appropriate changes that didn't throw out the baby with the bath water. He went on to say that it was a "good outcome". Kiwibank CEO Steve Jurkovich praised the changes as quick action which would make a significant difference for consumers. In the last 24 hours, we've heard from Harcourts managing director Bryan Thomson, who told media that the amendments were "heartening news for first-home buyers and others trying to make home-buying decisions from across the board".