Mortgage default has long term impacts on the financial wellbeing of households including bankruptcy, drawing on superannuation savings, and high levels of debt even after the sale of the house. Better access by borrowers to financial advice and mortgage relief assistance, as well as stricter lending standards and better consideration of illness and hardship by...

This is the second and final report on the problem of mortgage default in Australia. An earlier positioning paper (Berry et al., 2009) presented, in detail, a range of issues, views, evidence and potential policy directions concerning this subject. Both reports are to be read as one.

Community housing organisations in Australia recorded a surplus in the three years to 2005-06. To achieve low costs, many used voluntary labour, received discounted rates, and did not provide for depreciation. This research bulletin is based on research by Dr Jon Hall and Professor Mike Berry of the AHURI RMIT Research Centre. The research analysed...

The Australian housing system has undergone major structural change in the past 20 years. Continuing population growth, falling average household size, strong economic growth and rising average incomes have underpinned buoyant demand for housing focused on metropolitan areas, smaller provincial cities, natural resource centres and tourist regions. Increasing income and wealth inequalities have changed patterns...

The original aims of this project were to: • clarify the impact of Community Housing Organisation operating deficits on the potential growth and development of an expanded community housing sector • develop suitable policy options for returning community housing to operational surpluses; and by so doing • provide a context for the development and growth...