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Reply: 3.1.1 From: Rolf Latham Hi Dont think rates have a lot to do with this if they dont swing wildly. Dont know about Melbourne, but I am seeing some very "creative" vendor based financing deals being put together in Sydney to move inner and near city unit stock. Ta Rolf

Reply: 3 From: Rolf Latham Hi Michael Nirvana perhaps not ? A number on lenders are putting screws down in how they assess serviceability. One has recently increased their service margin from 1.5 to 2.25 above the standard variable. Ta Rolf