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we've seen examples of this already - however, as the extra over IR hikes have had a further dampening effect, official cash rate rises are not needed as much, and the RBA recognise this. so while it MAY be true, it may not come to fruition.

i can't see comm lending opening up unless they get leaned on by the govt. however, if you ARE right - well, i'll be loking to sink my cash into comm property. trouble is, why would someone set up shop if they can't get employees?