I work in the arts/advertising, I work hard and invest smart,...

I work in the arts/advertising, I work hard and invest smart, simple.

You constantly contradict yourself.
"in Sydney, Melbourne"

"for many would be NEW buyers of real estate in Australia"
Not Australia - just Sydney and Melbourne.

The banks adhere to regulations and it is a free market. No I don't blame banks.
If you want someone to blame, blame the RBA or APRA.

And I won't let go of the fact that individuals need to be responsible for their own actions.