Hey Sector ,
Have a look at the link I posted . The MBA talks about housing affordability in Vic . Today they reckon it's 5.7 compared to 3 in 1995 .
The market in Vic was pretty bad in 95 from memory . It peaked previously in 89 .
Prices went sideways during that period till about 97 or 98 and then took off .
There are some similarities to the current trend from 2008 to now .
http://www.isanybodylistening.com.au/index.php/?page_id=26
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