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Looks like the "B" word has been used http://www.abc.net.au/news/2015-05-18/reserve-bank-says-rates-could-fall-further/6478114

Looks like RBA and Moodys are wanting less housing investment lending http://www.abc.net.au/news/2015-05-14/reserve-bank-wants-investor-lending-growth-to-slow-more/6469106

So I guess 95% + cap lmi and a 20k visa is out of the question?