Whether you owned a home or not used to be straightforward. The boundaries are becoming permeable.
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Articles on first home buyers
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The real problem with the government's first home owner deposit scheme is that it won't prioritise those who need the funds the most.
You can't help first home buyers without making other buyers worse off.
Topping up deposits by as much as 15 percentage points will help, but housing isn't risk-free.
New modelling shows negative gearing and capital gains taxes can be reformed in a way that doesn't impact poorer investors.
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.
Economists struggle to agree on when and where housing bubbles occur, but bubbles all have similar characterisitics.
Think it's hard for first-home buyers? Ask people with an intellectual disability about it.
Declining interest rates has made housing more affordable over the past thirty years, but it has also increased the risk for homebuyers.
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.
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.
People who engage in rent-to-buy schemes might not be protected under law and are often left in unaffordable situations.
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.
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.
Real estate is favourably taxed in Australia, and it will continue to bite the housing market unless there is serious reform.
Australia's retirement income system is unsustainable, and there seems little political appetite to tackle the big issues.
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.
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…
Top contributors
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Professor of Economics, School of Economics, Finance and Property, Curtin University
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John Daley is a Friend of The Conversation.
Chief Executive Officer, Grattan Institute
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Program Director, Household Finances, Grattan Institute
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Professor, Curtin Law School and Curtin Business School, Curtin University
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Lecturer, Research School of Economics, and Research Associate, Centre for Applied Macroeconomic Analysis, Australian National University
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Professorial Fellow, University of Melbourne
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Professor, School of Law, University of South Australia
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Research economist, University of Melbourne
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Director, Bankwest Curtin Economics Centre, and Bankwest Research Chair in Economic Policy, Curtin University
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Senior Research Fellow, Institute for Culture and Society, Western Sydney University
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Director of Academic Programmes, Massey University
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Honorary Associate Professor, University of Sydney
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Head of School, Economics, Finance and Property, Curtin University. Director, Australian Housing and Urban Research Institute, Curtin Research Centre, Curtin University
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Postdoctoral Research Fellow, Disability Research Initiative, University of Melbourne
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Research Fellow in Real Estate, Centre for Applied Economic Research, UNSW
