Andrew

Sometimes, because the markets aren't perfect, it'll be 1.1.

So it's overvalued.

It's over where we would expect it to be.

Sometimes it might be 900.

It might be undervalued.

So that's the time that you probably want to buy.

Now, it's not a perfect crystal ball, but it's a really good indicator.

And we did an awesome podcast years ago where we said, okay, someone buys a property.

How to make an extra $1 million in property, it's called.

I'll put the link in the chat.

And basically it looks at someone just following the average market versus using this guide.

And they don't win every time, but they do end up with an extra million dollars.

So it's the difference between $1.5 million or $2.5 million.

over the 20 years, and it makes a big difference.

And I've got the graph up here for you, the overvalued, undervalued.

While you're doing that, someone also asked the question before, I've just remembered, do I have to refinance to unlock a deposit to buy a rental property?

No, not at all.

You can arrange or we can help you arrange a top up with your bank for that deposit, whether or not you do the remainder of the loan with

your bank or a separate bank, as we often recommend, split banking, then that's up to you.

Someone also asked before about split banking.