'this is the main 'bit':"The cost of paying a 25-year variable...

'this is the main 'bit':

"The cost of paying a 25-year variable rate mortgage on the average FIRST home loan has risen from 45 per cent of average weekly earnings in 1991 to 63 per cent now ? and it peaked at 74 per cent of AWE before the 'unexpected' global financial crisis forced the RBA to drastically cut rates in 2008."

from '91 with high interest rates to '08 with low (going on record low)... and still the affordability suffered !