investors return to the market in droves, page-19

Not so sure about this. Interest rates were dropped to emergency levels to help us avoid a recession. This worked quite well. They can't be kept at such low levels because inflation is building.

Interest rates are lower in other countries because they are still in a bad state. These will revert when their economies recover.

"and the banks only add a small margin (which I think is what they do)" Really? Will you do the same Harry? I think not.

"The people will become wealthier." Yes we can all become wealthier by buying and selling house to each other. Unfortunately for the FHB they are the ones that have to take out more debt.