Articles on housing affordability

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Unless the demand pressures are eased, first home buyers are still likely to be crowded out of the market. Sam Mooy/AAP

Budget needs a sharper policy scalpel to help first home buyers

The budget acknowledges the crisis of affordability for first home buyers, but fails to do enough about demand pressures on prices to put home ownership back within their reach.
The budget brought no increase in rent assistance to help low-income renters in the private rental market. AAP/Tracey Nearmy

Is this the budget that forgot renters?

For the majority of Australia’s renters, housing will remain unaffordable, insecure, and out of reach following the 2017-18 federal budget.
When public investment in a development like Sydney’s Northern Beaches Hospital boosts land values, who should reap those gains: the community or individual owners? NSW Premier's Office/AAP

Tax on ‘unearned gains’ is the missing piece of the affordable housing puzzle

Who is entitled to the increase in value created by planning approvals, new infrastructure, population growth or urban development? For John Stuart Mill, the answer would have been the community.
Are the millennials doomed to be nomads, locked out of the home-ownership market forever? sharon_k/flickr

Off the plan: shelter, the future and the problems in between

Owning a home has deep cultural and economic connotations. A home owner is a member of a street, a community. They are a successful adult human. They own a piece of the pie, the dream.
Older Australians are not deterred by financial barriers as much as emotional ones, when it comes to downsizing. www.shutterstock.com

Why older Australians don’t downsize and the limits to what the government can do about it

When people do downsize, financial incentives are generally not the big things on their minds. And so most of the budget’s financial incentives will go to those who were going to downsize anyway.
Low-cost housing development on the city outskirts can expose owners to higher costs in the long run. Paul Miller/AAP

Affordable housing is not just about the purchase price

People are taking on larger future risks and costs just so they can buy a house. Increases in new home owners are seen as a positive development, but what if they can't afford the ongoing costs?
The Conversation

Four ways an Australian housing bubble could burst

There’s been quite a bit of speculation over whether Australia has a property market bubble - where house prices are over-inflated compared to a benchmark - and when it might burst. According to housing…
A Shorten government would double the screening fees on foreign investment and financial penalties that apply to foreign investment in residential real estate. Lukas Coch/AAP

Super funds targeted in Shorten’s housing affordability package

Labor will promise to ban direct borrowing by self-managed superannuation funds, as part of a housing affordability policy released on Friday.
At least ten cents in every dollar of superannuation assets is indirectly financing house purchases via commercial bank debt. AAP/Lukas Coch

Here’s how superannuation is already financing homes

What critics of the plan to use superannuation for housing miss is that Australia’s super system already channels a significant proportion of retirement savings into housing.

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