its funny how low it is in the US, yet they still charge 6% - 12% on home loans.
same will happen here when housing prices fall, banks need to be profitable and how else to nutralise loss's then to up fee's...
its going to get messy.. from all the signs there will be an itial fall in property. a slight recovery and then a second bigger fall..
when to buy will be the question to ask later this year..
