Declining interest rates have been working for home buyers, now they are working against them.
Declining interest rates has made housing more affordable over the past thirty years, but it has also increased the risk for homebuyers.
Despite all the proposals to combat housing affordability, Scott Morrison will need to make hard political decisions on policies that will actually make a difference.
The latest thought bubbles about using super savings for housing might be less harmful than in the past, but they would be just as ineffective.
On current trends, renters will eventually outnumber home buyers, representing a fundamental shift in how the economy and wealth generation work.
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.
Some home buyers can’t afford to go through the regular channels so the rent-to-buy deals appeal to them.
People who engage in rent-to-buy schemes might not be protected under law and are often left in unaffordable situations.
On average, Gen Ys are $50,000 short of the deposit they expect they’ll need to buy their first home.
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Without long-term solutions to the imbalance between incomes and house prices, Gen Ys face a lifetime of renting without the financial and emotional security of home ownership.
Superannuation savings are the target of an idea that refuses to go away.
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Allowing first home buyers to tap their super would worsen housing affordability, leave many people with less to retire on, and cost taxpayers in the long run.
The issues keeping those on low incomes out of the housing market are only getting worse over time.
There’s more to house prices than supply and demand.
Real estate is favourably taxed in Australia, and it will continue to bite the housing market unless there is serious reform.
Allowing people to raid their superannuation early is likely to have significant unintended consequences.
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Australia's retirement income system is unsustainable, and there seems little political appetite to tackle the big issues.
New homes like this one in Sydney’s south-west would be within reach for more first-time buyers in New South Wales if the state government supported shared home buying schemes.
New South Wales is Australia's most populous state, with the most expensive capital city – yet it's done less than many other states to develop cost-effective options for aspiring home owners.
House prices in New Zealand continue their upwards march.
Independent Australian Senator Nick Xenophon is planning a legislative push for first home buyers to be able to access their superannuation savings to pay for a house deposit, mirroring a similar policy…