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And the size of your deposit. Given the prevalence of lower deposit loans over the past 10 years, it would be natural that negative gearing becomes more prevalent.

Worked in property management in the mid 90's in the Preston, Northcote, Thornbury area, most properties were returning around 5%-7%. Some larger homes were less. At times, people have made commentary about positively geared property in the 90's, but I still believe it was still the...