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It just so happens there is those that don't currently hold property, but are also trying to make money from the decisions they make. For the time being that may simply be avoiding property while the opportunities are far and few between and best left to those that can allocate fulltime hours to...

Investors certainly picked up the slack in the first few months of the year (after the drop off in first home buyers). Not something I was expecting, I mean who would have though they’d be happy with 4% gross yields when paying 6%+ interest rates? Perhaps it will be those same investors that...

Well what do ya know, here we are 12 months on :) Not a bad effort if you ask me although I didn't get the -5% I was expecting nationwide, but we did see YOY drops in two capital cities...

Well clearly those "many" were wrong. I guess we will have a pretty good idea in around 12 months whether I was as well.

Who's the 'we' you refer to? If you are insinuating that I've said nominal property prices will drop more than 20% then feel free to link everyone, because I haven't said that. You are simply trying to lump all those that think we will see house prices fall into 1 group with 1 opinion. Petty...

The only reason most countries are coming out of recession is due to huge stimulus spend, do you really consider this a recovery? Do you believe the underlying issues that caused the GFC have been resolved? 2009 was the eye of the storm, IMO there are several ways things could play out, but no...

Nice gains, what suburbs are they in? FHBs increased to around 30% of the market during the middle of 2009, but that percentage pulled back towards the end of the year as the FHOG was lowered. I wouldn't really call that a small portion of the market, but I'm not hung up on FHBs, most of the...

JIT I think 12% was the national figure from RPData and I assume that's where your other figures are from. My question: I believe RPData recently changed their methodology for calculating median prices, so are these percentages from a data set where a different methodology was used between...

I think both should be taken into account. If the borrower can't save up a more substantial deposit than 5% of purchase price then they should think twice about taking on a mortgage.

From memory in 2009 the report also showed over 50% of FHBs were borrowing with LVRs greater than 90%, with around 30% over 95%. In my opinion that is excessive. Especially considering the FHOG has been used in some cases to get the deal over the line. The FHOG was a nice bonus when buying...

Australian Mortgage Industry Report - Volume 10 - JPM/Fujitsu - October 2009 Although it dropped back a little from the $287k into July I suspect it would have rose again in the 3rd quarter as FHBs took advantage of the full FHOG before it ran out in September. Won't know for sure until next...

You talk about the GFC like it is over when it is far from that. Over 2008 at the "crash" site I was normally grouped with the property bulls. I was regularly posting and usually in defense of property prices (as there were still reasonable prices in some Adelaide suburbs). Over 2008 I was of...