So basically it's 90+% of debt for housing (scroll down to the pie chart):

https://www.finder.com.au/australias-personal-debt-reported-...

I'm including 'Investment debt' cause who are we kidding? It's all investment properties.

Feels like that chart is slightly misleading - it’s easy for credit card debt to appear to be low when there are so many high value mortgages. $20k CC debt is only 2% of the value of a $1m mortgage.

huh? plenty of brokers offer margin trading at decent interest rates.