This is not to say rates won't increase more by then end of 2011 2010 (assuming the economy is flying)
Don't forget first home buyers salaries usually would be increasing at a faster rate than most older workers
Well it worked that way for me anyway
i.e. tripped salary in about 8 years
So give them a year or two and they will be able to absorb more interest rate rises
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This is not to say rates won't increase more by then end of 2011...
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