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I don't know that their investment psyche is different to ours around housing. It is now because they have seen a 20 year period of deflation. I think the primary driver of their market v ours is a difference in demographics and population growth. They have less workers per retiree and a...

If the government put all its cards on the table though I don't think there is any question that debt could get much higher. We have limited room in the private sector for an escalation in debt levels. Banks are struggling to raise funds at the prices they need to obtain them at for the...

Nice logic. When it is put like that the whole system does indeed look more robust and indeed the average LVR looks like it would be 0.5 following your maths. I actually think the banks do these numbers and most are around this figure or lower. I am trying to find it but without success...