how's your pain tolerance?, page-36

won't do anything unless 10% retail and above.

same as when they were 9% recently.

nothing. as you have to understand the Australian market has massive equity in housing...and some 70% having NO mortgage or Little debt over property.

You are talking a very tiny % with tiny deposits and hence why default rates barely changed after GFC and 9% interest.

rates have been 7% average for 20 years.

We won't be back there unless the economy is humming again, and wages are rising.

HSBC 4.75% currently.