Mortgaging our Future

The effects of super for housing policies on Australian property prices and financial health in retirement

This report examines the effects of ‘super-for-housing’ policies on house prices, finding the proposal would significantly increase house prices in all major capital city markets in Australia, but do so without changing the composition of first home buyers.

This report also considers the effects of ‘super-for-housing’ on household indebtedness and wealth, finding that in most instances keeping superannuation untouched will lead to a more prosperous future for individuals.

December 2021
Peter Rossini

Dr Laurence Lester

Dr Sumin Kim

Professor Chris Leishman