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It's unlikely with the conservative 3% pa changes mentioned above. Increased equity to effectively double your initial 20% deposit would take several years at 3% growth. But some of the changes, especially capital growth, are very lumpy. So if you get in at the right time a 25% increase...

The critical elements is inflation over time (CPI). Inflation improves both your asset base and your serviceability given time (which improves borrowing eligibility). This trend is all in one direction, though the rate of improvement will vary greatly. Doing things that increase the rate...