The real-estate market all around the globe is having a rough time lately and Australia has not been forgotten. Having said that, the market is more stable than that of the United kingdom and the USA and investors are still investing in both commercial and residential properties.Throughout 2010, several specialists estimate a 10 % drop in property prices, however some predict a rise of 5 % if not more. The principle factor to affect the Hunter Valley Real Estate market certainly is the unemployment level. Even though banks have reduced the interest rate all the way down, it will merely be people with a deposit that can afford to purchase property.Additional factors that will affect the property market are financial debt, worldwide economy and affordability. The global economy crisis appears to be easing but some people continue to be in debt and have taken on credit they can ill afford.Tighter lending policies have also been set up by the Australian Government to stop banks lending to people who can ill afford the monthly payments.