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Thats ok we have a substitution product now: mainland Chinese. They pay cash first organise financing later:D

Ah then its a completely different ball game. If you already have property then you are more than entitled to fret over 'value' because you already have skin in the game. I'm in a similar boat, whilst i still believe in property as a long term wealth creation vehicle, i want to use any up...

Wibbly Pig, this is exactly the type of comment that tends to differentiate the 'haves' from the have nots'. I think the majority of people on this forum are actually 'average income earners' and yet they have managed to acquire a property portfolio of some degree. The 'have nots' say yes...