Westpac is taking further steps to curtail lending growth in the home loan sector. The bank will cease to originate loans under the Rams brand through mortgage brokers. The bank has also reduced the ceiling on the loan to valuation ratio on loans marketed under each of the Westpac and Rams brands.Key broker partners learned on Monday of the reduction in LVRs on Westpac-branded loans.The bank will cut the LVR for customers considered "new to bank" to 87 per cent from the current ceiling of 92 per cent. The revised policy takes effect today.For existing bank customers (defined as those who have held at least one Westpac product for six months) the maximum LVR remains at 97 per cent.For any customer seeking a low-doc loan, the new LVR ceiling is 80 per cent.