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Realist, not bear ;) And as I've said before, a good property deal can trump the direction of the market. Seen a couple of interesting commercial properties pop up recently in Adelaide. Much more tempting than residential yields.

Thanks Rolf, that helps.

Had a bit of a search online and here, but there doesn't seem to be many details publicly available for commercial loans. For a purchase in the $400-600k range. Metro Area. Office. What's the maximum LVR that can be expected (earlier threads suggest aim for 80%, but expect 70-75%?)? Does...