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    • Abstract:
      This move could see restraint come into the housing market, but it's more likely that low interest rates for another couple of years will continue to stimulate the market. We believe APRA's recent move to restrict lending by increasing the minimum interest rate buffer and therefore reducing borrower capacity will take the froth off the market, but the housing sector will remain hot. In this low-rate environment, and in light of declining customer loyalty, digital lenders have a real opportunity to disrupt the market through sharp pricing and fast onboarding. [Extracted from the article]
    • Abstract:
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