Craig

That's a great story.

Right.

Well, we should have a look at the first home guarantee.

Now, you guys put out a report, I think it was last week.

And it's really, really interesting in terms of just how much time you are saving to now save for that 5% deposit.

So let's go to Sydney and I'll let you explain that.

I also note, Nicola, that you also look at the other side of the coin, particularly, I guess, for Sydney and people wanting to get into the Sydney property market with the 5% deposit.

Buyers will still face, you say, bigger mortgages and that risk that comes with the rising rates, potentially property price drops as well.

So it is somewhat of a bit of a gamble, isn't it?

Yeah, I think the other side of it, okay, whilst we're highlighting just how much more money you are going to be loaning, if you look at the years saved for Sydney, which is seven and a half years, which you've highlighted, just imagine how much the market is going to rise in 7.5 years.

So that is the other side of it if you can manage to get into the Sydney property market.

Let's go to Melbourne and also Brisbane in terms of just how many years you're saving.

Okay, so that is Melbourne and Brisbane.

What about Adelaide and Perth?

I've got to say, thank you for some of the emails that have come through in the last couple of days.

Hayley, Marianne, Marianne and Stephanie, thank you for your kind words to get better.

And Don in Footscray in Melbourne, who listens every morning for his granddaughter.

who he is trying to get into the property market.

Don says, Good on you, Don.

You're a legend.