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In this episode Nick and Kelvin discuss the recent OCR decision, its implications for mortgage rates, and the current state of the lending market.

They analyze the latest lending data, highlighting increased activity among investors and first-home buyers.

The conversation shifts to the broader economic landscape, examining consumer confidence and retail sales trends.

They also delve into the impact of debt-to-income restrictions on the housing market and consider future economic recovery strategies, emphasizing the need for both monetary and fiscal support.

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