While there has been a lot of hype regarding the current growing property wave in Sydney, Melbourne and Perth.  The  investor driven bubble is very much a metropolitan event with many regional (non-mining) areas still deep in the doldrums.

The other market showing no improvement is the first home buyers market where despite a 4.4 percent seasonally adjusted rise in finance commitments for September – the proportion of first home buyers are at their lowest since statistics commenced in 1991.

There has been a growth in new home commencements and it is possible that the few first home buyers in the market have been driven to this segment as it is the only area where serious incentives are still available.

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