Europe is the key to Australian house prices in 2012, with outcomes to vary from house price rises to the last resort of banks "calling loans"
Refinancing kept the home loan market from plummeting fiurther this year as it underpinned a slight rise in housing finance
Borrowers are finally adjusting to last year's rate hikes, just as the Reserve begins easing the cash rate
Non-banks have entered the rate cutting fray after major lenders finally moved last week
Prolink Finance Solutions’ Muzi Dandachli will be postponing holidays until late January or early February to cope with demand which is having his business colleagues ‘chasing their tails’
ANZ has become the first major bank to move in the wake of the RBA's rate cut, followed closely by the other majors and two second tiers