* Average new owner occupier variable reported by the RBA in April '22
** Average new owner occupier variable reported by the RBA in Oct '22, plus 50 basis points
*** Average new owner occupier variable reported by the RBA in Oct '22, plus 113 basis points (assumes the cash rate peaks at 3.73% in June 2023, based on median outcome of major bank forecasts)
** Average new owner occupier variable reported by the RBA in Oct '22, plus 50 basis points
*** Average new owner occupier variable reported by the RBA in Oct '22, plus 113 basis points (assumes the cash rate peaks at 3.73% in June 2023, based on median outcome of major bank forecasts)