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Agreed. Yes, those who own their PPOR outright. But how many people start off like this? If you are starting out with $120k or whatever you will get further faster using this as deposits on IPs rather than getting into a mortgage IMO.

Even if growth is less than the last 10 I don't think it changes the answer - just the degree. I find it hard to believe that anyone would argue it's a better financial decision to buy a PPOR than rent & buy IPs instead. It just comes down to your servicability. If you pay less rent than you'd...

Absolutely agree. I am surprised investors would be buying within 10km of the Melbourne CBD based on current yields, for example. As rates go up it will be even harder to justify, which will lead to the inevitable (finally!) catch-up of yields.