"it was a factor in people entering the housing market" im not so sure of about this. i not sure too many home buyers, including first home buyers based their decisions on what the governor of the rba says - most of them wouldn't even know his name. "the best time to buy property is now & ten years ago" - that saying has stood the test of time. yes, the interest rates have come up significantly over the past few years, however, they're also sitting around the 30 year average.
i heard someone say recently, if you subtract the rate of inflation from the cash rate, you end up @ around 1%, which is far too low.
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