We're getting to the real action at last

What was that the Reserve Bank was saying about expect an increase next year? 

Westpac is cutting its two year fixed rate to match that of rival ASB

More like rates will keep tracking down as banks seek to retain market share.  This LVR thing must be hurting their usurious trade.

The law of unintended consequence.  Must be time to look at some more investment properties while the first home buyers are out of the market.