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Yes the APRA effect will take several months 1. pre existing loan approvals aren't affected. Those loans will be rolling through to settlement now and in coming weeks and months. 2. not all investors are affected by the APRA changes... But in coming months you will see the APRA...

The doubling effect is a phenomenon supported only by an expansionary credit environment. Only now that APRA has moved the goalposts are people coming to understand that the supply and demand for credit is the driver of prices, not the supply and demand of property. Let me take you back to...