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In this episode of The nestegg Podcast, host Maja checks in with our three experts to discuss this week’s biggest conversations about super, property and investment.

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Steve Waters, director of Right Property Group, talks about the current market and its growth prospects, hinting at a “revenge spend” period post-lockdown. Could property prices really inflate by a further 20 per cent?

Meanwhile, RMIT’s senior lecturer of finance, Dr Angel Zhong, talks about the earning season and dividends, delving into how companies decide distribution policy. Find out what is happening in the recent dividend announcements.

Last but not least, tax and super guru Timothy Munro talks us through the results of APRA’s inaugural super test and how engaged members should really be with their super. Timothy also touches on the super splitting law and what it means for relationship breakdowns.

Have a question for our experts? Get in touch at [email protected] and you might get featured in the next episode.

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How Australians are tracking with home ownership this year

By Cameron Micallef

July 18 2019
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Invest

How Australians are tracking with home ownership this year

By Cameron Micallef
July 18 2019

A new report shows that it’s harder than ever for home owners, as the number of renters rise and the proportion of households that have paid off their mortgages falls.

How Australians are tracking with home ownership this year

By Cameron Micallef

July 18 2019
Share

A new report shows that it’s harder than ever for home owners, as the number of renters rise and the proportion of households that have paid off their mortgages falls.

Australian households renting their home has increased to 32 per cent in 2017-18, according to the latest figures from the Australian Bureau of Statistics (ABS).

The report showed that there has been a 5 per cent decrease in home ownership since 1997-98 when 27 per cent of people rented.

ABS chief economist Bruce Hockman believes most of the increase in renter households was in the private rental market.

“Some of the decrease in public housing numbers can be attributed to recent trends in social housing provision, which have seen the community housing sector taking on an increasingly prominent role,” said Mr Hockman.

Down, down, down

The proportion of households that own their home fell to 66 per cent, which is down 4 per cent from 1997-98.

Further, the proportion of households that own their home without a mortgage decreased to 30 per cent, which is down 10 per cent, while the proportion who owned their home with a mortgage increased by 6 per cent to 37 per cent.

Housing costs remained steady for most household tenures when compared to recent years. On average, in 2017-18 renters paid $366 per week on housing, while housing costs for owners was up to $484 per week.

The affordability crisis

One measure of housing affordability is the ratio of housing costs to gross household income known as the housing affordability ratio.

In 2017-18, the housing affordability ratio for major household tenure types was:

3 per cent for owners without a mortgage
16 per cent for owners with a mortgage
23 per cent for renters from a state or territory housing authority
20 per cent for renters from a private landlord

In 2017-18, average housing costs and housing affordability ratios for lower income households by tenure type were:

$209 per week (22 per cent of gross weekly income) for all lower income households, compared to $311 per week (14 per cent of gross weekly income) for all households
$376 per week (29 per cent of gross weekly income) for lower income home owner households with a mortgage
$339 per week (32 per cent of gross weekly income) for lower income households renting from a private landlord

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About the author

Cameron Micallef

Cameron is a journalist for Momentum Media's nestegg and Smart Property Investment. He enjoys giving Aussies practical financial tips and tricks to help grow their wealth and achieve financial independence. As a self-confessed finance nerd, Cameron enjoys chatting with industry experts and commentators to leverage their insights to grow your portfolio.

About the author

Cameron Micallef

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