When you look at the data (in three charts) on mortgage stress, the systemic risk of people not being able to repay their home loans appears small.
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Articles on Housing
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The symptoms are clear, but the cure will remain elusive until we recognise the many sources of the problem.
Housing has become integral to our welfare system, so even governments can’t afford for prices to decline.
The government’s unwillingness to consider changing the tax system to fix housing affordability, makes it more likely that APRA may have to become even more prescriptive with its lending criteria.
Think it’s hard for first-home buyers? Ask people with an intellectual disability about it.
Co-working spaces are evolving to suits the needs of a changing workforce.
We now value the house as a wealth builder, not just a place to live in and raise a family. The result is a distorted investment market that makes home ownership and rental unaffordable.
New rules offer the possibility of an inclusive Australian society that enables people with the highest disability-related support needs to have equal access to mainstream services including housing.
In a nation where urban living is the ultimate attainment, some households are bracing against the surging tide of development.
Victoria has been lagging behind other states in developing an affordable housing strategy. Now that one has been released, how well does it meet the needs of households on lower incomes?
The housing supply solution our leaders are advocating will only work if affordability is simply a problem of supply. In fact, Australia is almost a world leader in rates of new housing production.
There is a way to get homes where we need them, and it’s about making the most of what we’ve already got.
Our big cities increase incomes faster than population growth, but most residents miss out on the extra income growth. Creating multiple centres of activity may help make bigger better for everyone.
Any attempt to improve security for tenants should not deprive them, or their landlords, of the flexibility that many also want. The key problem is landlords’ ability to give notice without a reason.
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.
The government has extended a contract with private security companies G4S and Serco.
To tout new housing production as the only solution to rising house prices, without examining the question of demand, is an ineffective policy position.
Renting makes financial sense in a number of circumstances; it’s time to move away from the obsession with home ownership.
Renters worry that asking their landlords for better insulated homes could cause a rent hike.
Top contributors
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ARC Future Fellow & Professor of Economics, Curtin University
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Professor of Housing Research and Policy, and Associate Director, City Futures Research Centre, UNSW Sydney
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Head of Urbanism and Associate Professor of Urban Studies, School of Architecture, Design and Planning, University of Sydney
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Program Director, Economic Policy, Grattan Institute
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Professor; School of Economics, Finance and Property, and Director, Australian Housing and Urban Research Institute, Curtin Research Centre, Curtin University
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Professor of Urban and Regional Planning, University of Sydney
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Senior Research Fellow, City Futures Research Centre, UNSW Sydney
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Emeritus Professor, University of Sydney
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Emeritus Professor of Housing and Housing Studies, RMIT University
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Associate Professor, School of Property, Construction and Project Management, RMIT University
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Professor of Housing Research, University of Adelaide
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Alan Morris is a Friend of The Conversation.
Professor, Institute for Public Policy and Governance, University of Technology Sydney
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Professor of Social Epidemiology and Director of the Centre of Research Excellence in Healthy Housing at the Melbourne School of Population and Global Health, The University of Melbourne
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Professiorial Fellow, The University of Melbourne
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Visiting Fellow, Crawford School of Public Policy, Australian National University
