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Money is already so cheap that affordability isn't an issue for first home buyers. Their challenge is putting together a deposit and a change in interest rates does very little to help that.

Looks like I was wrong with NAB going the full 25 points. Looks like good news for borrowers. :)

Very supprising, but hard to say what the banks will do. I've heard talk (from within the banks) that there's room for them to pass it on in full, but it's very hard to say. I'll tip most lenders passing on 0.20% at this point, but I'm probably wrong because I didn't expect the RBA to drop...