The Bank of England will make lenders be slightly more careful in testing whether borrowers could afford a rise in interest rates.
Some will argue new figures reinforce the Bank of England governor's view - that Help to Buy is small-scale and essentially benign.
The UK's Property Ombudsman is warning about a growing number of estate agents charging not just sellers - but also those purchasing homes.
UK house prices increased by 8.8% year-on-year to reach £183,462 on average in June, Halifax has reported. Values fell by 0.6% month-on-month.
Commuters who live around half an hour's train journey from London, in places like Hemel Hempstead, Beaconsfield, Woking, Stevenage, Brentwood and Luton, pay £283,000 for a property on average.
That means a typical saving of £358,000 compared with buying somewhere to live in central London. Their annual rail pass is just under £4,000 on average, Lloyds said.
For those commuting into England's second and third largest cities, Birmingham and Manchester, living further afield does not necessarily pay off. Lloyds said the average Birmingham property price is £40,000, whereas Solihull, which is 15 minutes away has a typical property price £274,257.
The typical property value in the centre of Manchester is £134,873, which is lower than the average house price in nearby areas such as Stockport, at £192,172, Macclesfield at £231,118, Warrington, at £173,581 and Chorley, at £166,107.
Research has found that commuters who spend an hour-long train journey into London are saving around £380,000 on their average house price compared with the cost of living in the heart of the capital.
Lloyds Bank said that homes within a selection of commuter belt areas which are about a 60 minute commute by train.
Those areas include Crawley, Windsor, Brighton, Rochester, Peterborough and Oxford, typically cost £260,000, which is £381,000 lower than the average price tag for a property within zones one and two in London, at £641,000.
With the average annual rail cost from these areas currently at just below #5,000, it would take someone 76 years of commuting to wipe out the difference in house prices, if property values and rail costs remained at the same levels.
ITV News Economics Editor Richard Edgar reports:
Bank of England announces measures for the housing market - but with "minimal effect" for now
"If you could get a mortgage yesterday, you can get a mortgage today," Governor Mark Carney says. Today's changes are an insurance policy
Politicians must do more to solve Britain's housing problems, a professional body has warned, after a survey revealing Britons' fears over property was released.
The Chartered Institute of Housing (CIH) claimed that the country's housing issues were causing "misery for millions of people", with the younger generation particularly affected.
CIH chief executive Grania Long added:
All parties must do much more to convince the people of Great Britain that they can address the issue.
Now is the time for action - we're challenging all parties to put tackling the housing crisis front a centre in their manifestos.
To have any hope of tackling our housing crisis we must drastically increase the number of new homes we build across all tenures."
The online survey of 2,000 people aged 16 to 75 also found:
- A total of 32% said housing costs were causing them stress
- Around 40% would be in favour of more homes being built in their area
- Some 60% of people believe it is harder for them to buy than it was for their parents
- An estimated 52% said that no political party had the best policies on housing
Britain's housing crisis is "causing misery for millions", with one in five people considering leaving their area because of the high cost of property, a new study suggests.
The Chartered Institute of Housing, who commissioned the survey, called on politicians to increase the supply of new homes to tackle the issue and ease the concerns of young people.
Around 20% of people said they were considering leaving their area to find more affordable properties with 36% of 16 to 24-year-olds believing they will have to look elsewhere , the online survey by Ipsos MORI found.
More than half of 16 to 24-year-olds were said to be concerned by about rising house prices, with many concerned about keeping up their mortgage or rent payments.
Latest figures showed that house prices increased by 9.9% over the last year.
Stamp duty is "an important source of revenue" for the Government and cutting it would "create a significant cost to the Exchequer" at a time when the country is already in debt, a Treasury spokeswoman said.
– A Treasury Spokeswoman
It is a progressive tax and those who purchase higher value property pay a higher share of tax. In 2012, 34% of transactions didn't pay SDLT on their purchases and a further 43% paid less than £2,500.
SDLT is an important source of Government revenue, raising several billion pounds each year to help pay for the essential services the Government provides and supports.
Reducing it would create a significant cost to the Exchequer at a time when the Government is focused on reducing the deficit.
- Stamp duty is imposed on the total value of the property, so someone buying a home for between £250,000 and £500,000 pays between £7,500 and £15,000.
- Sales of houses up to the value of £125,000 are free of stamp duty.
- Property up to £250,000 will cost the buyer 1% of that price in stamp duty.
- Would-be homeowners buying property in the range of £250,000 to £500,000 will pay stamp duty to the tune of 3% of the houses' value.
- Homes valued at over £500,000 to £1 million will force the buyer to pay stamp duty of 4%.
- Property in the £1 million to £2 million bracket has a 5% stamp duty charge.
- Buyers purchasing property over the £2 million mark will have to pay 7%.