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Mortgage industry bigwig John Symond has tipped a gradual improvement in the housing market in 2013 and for interest rates to fall further.

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CUTS to interest rates by the banks is making home ownership more achievable with 494 suburbs across Australia now locations where it is cheaper to buy a home than rent one, according to RP Data.

The RP Data Buy Versus Rent report uses the most popular borrowing scenario of a combined principal and interest loan on a variable mortgage rate of 5.65 per cent and compares it to average weekly rents across the country.

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