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I just want to expand on your theory of waiting. If the market cools, great, but a property now compared to a property after 'cooling' is not going to be cheaper I would have thought.

Yeah I hear what you are saying but here is my $0.02 on that theory. At the end of the day you might be a person with x budget that means you might be only able to only buy into x suburb. There might not be the best schools or the best shops but if enough people move into that suburb with...