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https://www.corelogic.com.au/__data/assets/pdf_file/0018/13329/230224_CoreLogic_five-things-to-know-about-the-fixed-rate-cliff-final.pdfBanks financed around 1.2 million new home loans between January 2020 and October 2021 based on ABS data, when fixed rates were. ... So far, listings data and arrears data suggest there is. minimal impact on the housing market from defaults.