I think the 10% is refering to a national average. Id expect at least 20% national average decline on next economic slowdown with reduced money supply causing rising unemployment .
Rising international interest rates which could increase our rates or limit any lowering by the banks as they get their funding overseas.
I know plenty of people reliant on dual incomes to maintain loan repayments with next to no buffer if one loses their job for extended period. Interesting times ahead imo.
