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No, and yes. Genworth recently did a survey - they found that only 25% of FHB were significantly influenced the the FHOG, the rest were going to buy a house anyway or thought it was a nice bonus. Investors will replace that 25% of FHB, if they can find c/f neutral IP. Banks have been...

I'd argue that there isn't a level where people can't afford a property. 70% of the population already have a property & with time they'll have significant equity in it. That equity will enable them to put down a large deposit on the upgraded PPOR. Their servicability of the loan will be...