Each fluctuates regularly so it's really just about maintaining that balance between the three as best as you can.

Does the spread margin over the interest rate fluctuate?

Suburbs value fluctuates often with the economic conditions that none of us can control.

In the short term rents fluctuate, long term they rise due to inflation, scarcity of land, etc.One measure of property that is rarely talked about is what would this property look like as an investment if I had to lower the price to break even, would there be a demand for it? 

Invested in a income fund you could fully retire and the higher returns would level out the fluctuations in the market.

It comes down to having a disciplined approach to investing and maintaining that discipline no matter the market fluctuations.

We are a young couple in our twenties, and are not scared of the fluctuating market.Our question is, how much would you recommend us to put down on our first home?

In my experience, the first loan will be variable and fluctuate with prime (libor) plus margin.   

Prices between companies and brokers fluctuate 30-50% so get a list and shop around to find the cheapest policy.Be safe!

My income fluctuates do to my freelance work.I have an amazing credit score 799I tried to get a line of credit and got rejected from my bank.I now have an offer to refinance and get cash out for a total of $375K loan at 4.5% for 30 years (That gives me a bit more then $175K out)My plan was to keep my mortgage as is rent my place out to cover it and get a new multi unit to live in and rent.