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On a slightly related topic, I'm wondering if this government will be as spend-happy as the last one if another economic calamity threatens to knock us around. Government decisions might have an impact on credit availability/growth (and by extension house prices) if we're thrown into GFC Mk.2

Not sure about the OP's sentiment, but my understanding of 80% over-valued means something with a fair value of say $500k would be selling at market for $900k