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Even in those locations where we might have had a shortage it will soon be replaced by a glut.According to analysts at Citi, Brisbane is already in a unit glut, Melbourne is on the way and some areas of Sydney are too.Citi is not alone, with analysts at UBS, Westpac, Morgan Stanley, BIS Shrapnel, Deloitte-Access Economics and even the Reserve Bank, amongst others, warning of an apartment glut.And when you get a glut prices usually fall, with fairly conservative analysts warning of a 15-20 per cent drop.It doesn't take a genius to figure out why Australian home prices are so high.

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At the same time, household debt, and especially housing debt, is at a record high.I think the better question to ask is why the hell anyone in Gen Y would want to buy a house right now?

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