" Downturn", page-13

Average home loan value has risen $80,000 in one year in NSW. $60,000 in Melbourne.

Average wage $70,000. Payrise of 3% if you're lucky. $2000.

Easy to see why First home buyers are using high interest credit card cash advances as deposit for a mortgage. Joe Hockey said: "Price rises are great because they encourage investment and boost supply" he never mentioned the increase in debt.