FOR MANY PEOPLE frozen out of the housing market for the past decade or more, the possibilities of getting their first house are taking a remarkable turn for the better. It means that potential home buyers with a 5% deposit have a much greater chance of buying into the housing market. In another leg up for many first home buyers, the Government has cut outstanding student debt (H.E.L.P. These policies, in total, will also help to lower dwelling rents or at least cap any rent increases. This will help renters and will, at the margin, provide a further disincentive for investors to tap the dwelling market, given a downward tilt to yields as rents fall.