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To the OP - If it were me, I might consider suburbs closer to the city and centres of employment than Mount Druitt and Rooty Hill. Parramatta, Auburn, Lidcombe. Or perhaps invest in an apartment within 10kms of the city. It seems to me that these areas have had much higher CG than far-flung...

I have heard about this. So, let's say I need a loan of 265k to get my targeted dream property. I have 2 or 3 credit approvals ranging from 235-250k. And I really need to get the 265k badly or else I won't be able to afford that property. So I go get another 2 or 3 credit approvals...