i think the part youv missed out is the looming oversupply in the market and the reduction in rents this wont be apparent for another 6 to 9 months as building approvals in july august and sept wont be completed until then .also the average loan size has risen dramaticaly from 1990 to now so a small rise in interest rates has a big impact coupled with falling rents its easy to see property dropping 10 to 20 prcent next winter .wrongway
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