For the sake of simplicity, let’s say you’ve found a house listed for $900,000, and so you applied for a mortgage that covers this amount. If your lender presents you with a mortgage proposal characterised by a loan repayment period of 25 years, with a 20% down payment and an interest rate of 6.55%, your profit, if you decide to sell in, let’s say, 10 years from now will be in the hundreds of thousands of dollars. How come? It’s all about the growing real-estate market of NSW.