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One thing I notice in conversations with friends and acquaintances in Victoria is the number of people who are in the game but couldn't possibly get into the game now.

For example, a family with an income of $40,000, stay at home Mom, big house in a leafy enclave bought 7+ years ago for less than $200,000. Or acquaintances who inherited enough money to buy a townhouse cash in hand 5+ years ago, but couldn't handle the mortgage payments to buy the same property with the same amount of money as a down-payment now. Or people who bought in Fernwood for $225,000 4 years ago but could never buy anywhere now for that same price.