Weak state policies, which lack clear targets and mechanisms for providing more and better affordable housing, are part of the problem. Victoria still doesn't have an affordable housing strategy.
Generation Rent may force a complete rethinking of home ownership as a basis of our housing systems. Rather than representing security, these housing markets make us vulnerable.
Housing affordability is often not the only problem households face. More often the compounding effects of multiple problems leave people unable to cope, which is why one solution won't work for all.
Shared ownership schemes can unlock access to suitable housing, although these are less common in Australia than overseas. And most are not specifically tailored for people with disability.