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There was voices saying rates will go up, 1 or 2 years in a frame of a lifetime is really not a long time.  They were drowned out by all the "gurus" yelling money is cheap and its the new way.  Whatever it is tulips bitcoins or unaffordable loans its always the same game over again, the Aussie way is to go kicking and screaming all the way to current affair and blame somebody else always somebody else