Kincella, regarding the statement 'its all fairytales from the bears on here', please see some below facts. I can find references for each of these if requested. But to ask for them you will have to acknowledge my post haha ;)
Credit growth slowing - fact
Mortgage Arrears increasing - fact
Mortgage Stress increasing - fact
House prices dropping considerably in some markets (and drops accelerating) - fact
House prices stagnant in most others - fact
