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A call by Raine & Horne to incentivise seniors to move to smaller homes has kicked off a wider policy conversation that reaches well beyond real estate. If designed well, a targeted package could free up family homes, stimulate new construction and shift billions in household balance sheets—without fuelling price inflation. But the economics depend on precise execution across federal–state tax settings, superannuation rules, and planning constraints. This case study maps the strategic options, operational realities, and measurable payoffs for business and government.

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• Yes

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A call by Raine & Horne to incentivise seniors to move to smaller homes has kicked off a wider policy conversation that reaches well beyond real estate. If designed well, a targeted package could free up family homes, stimulate new construction and shift billions in household balance sheets—without fuelling price inflation. But the economics depend on precise execution across federal–state tax settings, superannuation rules, and planning constraints. This case study maps the strategic options, operational realities, and measurable payoffs for business and government.

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A call by Raine & Horne to incentivise seniors to move to smaller homes has kicked off a wider policy conversation that reaches well beyond real estate. If designed well, a targeted package could free up family homes, stimulate new construction and shift billions in household balance sheets—without fuelling price inflation. But the economics depend on precise execution across federal–state tax settings, superannuation rules, and planning constraints. This case study maps the strategic options, operational realities, and measurable payoffs for business and government.

" ["publish_date"]=> string(19) "2025-09-12 02:38:12" ["image"]=> string(116) "https://res.cloudinary.com/momentum-media-group-pty-ltd/image/upload/v1757669817/pexels-picasjoe-11348123_dcxqtw.jpg" ["image_alt"]=> string(88) "The downsizer dividend: How targeted tax levers could unlock housing supply in Australia" } [1]=> object(stdClass)#912 (38) { ["type_alias"]=> string(19) "com_content.article" ["content_item_id"]=> int(18909) ["core_content_id"]=> int(5482) ["match_count"]=> int(1) ["tag_date"]=> string(19) "2025-09-12 08:52:41" ["core_title"]=> string(100) "Australia's super test dilemma reform could boost long-term gains while keeping accountability sharp" ["core_params"]=> object(Joomla\Registry\Registry)#1823 (3) { ["data":protected]=> object(stdClass)#1888 (28) { ["article_layout"]=> string(0) "" ["show_title"]=> string(0) "" ["link_titles"]=> string(0) "" ["show_tags"]=> string(0) "" ["show_intro"]=> string(0) "" ["info_block_position"]=> string(0) "" ["info_block_show_title"]=> string(0) "" ["show_category"]=> string(0) "" ["link_category"]=> string(0) "" ["show_parent_category"]=> string(0) "" ["link_parent_category"]=> string(0) "" ["show_author"]=> string(0) "" ["link_author"]=> string(0) "" ["show_create_date"]=> string(0) "" ["show_modify_date"]=> string(0) "" ["show_publish_date"]=> string(0) "" ["show_item_navigation"]=> string(0) "" ["show_hits"]=> string(0) "" ["show_noauth"]=> string(0) "" ["urls_position"]=> string(0) "" ["alternative_readmore"]=> string(0) "" ["article_page_title"]=> string(0) "" ["show_publishing_options"]=> string(0) "" ["show_article_options"]=> string(0) "" ["show_urls_images_backend"]=> string(0) "" ["show_urls_images_frontend"]=> string(0) "" ["readingDiff"]=> string(1) "3" ["comments"]=> string(1) "1" } ["initialized":protected]=> bool(true) ["separator":protected]=> string(1) "." } ["core_alias"]=> string(99) "australias-super-test-dilemma-reform-could-boost-long-term-gains-while-keeping-accountability-sharp" ["core_body"]=> string(709) "

APRA’s latest performance test results have reignited a structural debate: can Australia hold funds to account while still backing the nation’s long-horizon investment needs? With the government signalling a review to remove ‘unnecessary obstacles’ to investment in housing and other nation-building assets, trustees face strategic choices that go beyond benchmark arithmetic. This case study traces the test’s evolution, the business impacts already visible in product closures and fee discipline, and the decision points that will shape capital allocation across a $3.8–$3.9 trillion system. The outcome will reset competitive dynamics in superannuation for a decade.

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• Yes

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APRA’s latest performance test results have reignited a structural debate: can Australia hold funds to account while still backing the nation’s long-horizon investment needs? With the government signalling a review to remove ‘unnecessary obstacles’ to investment in housing and other nation-building assets, trustees face strategic choices that go beyond benchmark arithmetic. This case study traces the test’s evolution, the business impacts already visible in product closures and fee discipline, and the decision points that will shape capital allocation across a $3.8–$3.9 trillion system. The outcome will reset competitive dynamics in superannuation for a decade.

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APRA’s latest performance test results have reignited a structural debate: can Australia hold funds to account while still backing the nation’s long-horizon investment needs? With the government signalling a review to remove ‘unnecessary obstacles’ to investment in housing and other nation-building assets, trustees face strategic choices that go beyond benchmark arithmetic. This case study traces the test’s evolution, the business impacts already visible in product closures and fee discipline, and the decision points that will shape capital allocation across a $3.8–$3.9 trillion system. The outcome will reset competitive dynamics in superannuation for a decade.

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Australia’s economy outpaced forecasts in the June quarter as households opened wallets and government spending did the heavy lifting, even as public investment sagged. The signal for boardrooms: short-term revenue tailwinds alongside medium-term capacity risk if private capex stays on ice. With GDP up 0.6% quarter-on-quarter and 1.8% year-on-year, the cycle has shifted from cost squeeze to demand capture — but the investment window for 2026 is closing fast. Leaders who price with precision, manage working capital aggressively and pre-commit smart capex will bank the upside while competitors wait.

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• Yes

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Australia’s economy outpaced forecasts in the June quarter as households opened wallets and government spending did the heavy lifting, even as public investment sagged. The signal for boardrooms: short-term revenue tailwinds alongside medium-term capacity risk if private capex stays on ice. With GDP up 0.6% quarter-on-quarter and 1.8% year-on-year, the cycle has shifted from cost squeeze to demand capture — but the investment window for 2026 is closing fast. Leaders who price with precision, manage working capital aggressively and pre-commit smart capex will bank the upside while competitors wait.

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Australia’s economy outpaced forecasts in the June quarter as households opened wallets and government spending did the heavy lifting, even as public investment sagged. The signal for boardrooms: short-term revenue tailwinds alongside medium-term capacity risk if private capex stays on ice. With GDP up 0.6% quarter-on-quarter and 1.8% year-on-year, the cycle has shifted from cost squeeze to demand capture — but the investment window for 2026 is closing fast. Leaders who price with precision, manage working capital aggressively and pre-commit smart capex will bank the upside while competitors wait.

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Raine & Horne’s call for targeted tax incentives to encourage empty nesters to ‘rightsize’ isn’t just another sector wish list; it’s a potential lever to free up family homes, ease rental pressure, and reshape development economics. Canberra is likely to proceed cautiously, wary of fiscal leakage and unintended price effects, while developers are split on whether the proposal would genuinely shift supply.

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• Yes

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Raine & Horne’s call for targeted tax incentives to encourage empty nesters to ‘rightsize’ isn’t just another sector wish list; it’s a potential lever to free up family homes, ease rental pressure, and reshape development economics. Canberra is likely to proceed cautiously, wary of fiscal leakage and unintended price effects, while developers are split on whether the proposal would genuinely shift supply.

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Raine & Horne’s call for targeted tax incentives to encourage empty nesters to ‘rightsize’ isn’t just another sector wish list; it’s a potential lever to free up family homes, ease rental pressure, and reshape development economics. Canberra is likely to proceed cautiously, wary of fiscal leakage and unintended price effects, while developers are split on whether the proposal would genuinely shift supply.

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Mortgage broking is maturing, and the next growth curve is hiding in plain sight: small business credit. With Australia’s SME lending pool topping roughly $631 billion in early 2024 and growing at 9.4% CAGR since 2019, brokers and lenders who pivot now can build more resilient revenue and stickier client relationships. But the prize is contested — fintech speed, bank balance sheets, and embedded finance are reshaping distribution and underwriting. This case-led analysis distils what’s working, the technology underneath, and how to execute without blowing up risk.

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Mortgage broking is maturing, and the next growth curve is hiding in plain sight: small business credit. With Australia’s SME lending pool topping roughly $631 billion in early 2024 and growing at 9.4% CAGR since 2019, brokers and lenders who pivot now can build more resilient revenue and stickier client relationships. But the prize is contested — fintech speed, bank balance sheets, and embedded finance are reshaping distribution and underwriting. This case-led analysis distils what’s working, the technology underneath, and how to execute without blowing up risk.

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Mortgage broking is maturing, and the next growth curve is hiding in plain sight: small business credit. With Australia’s SME lending pool topping roughly $631 billion in early 2024 and growing at 9.4% CAGR since 2019, brokers and lenders who pivot now can build more resilient revenue and stickier client relationships. But the prize is contested — fintech speed, bank balance sheets, and embedded finance are reshaping distribution and underwriting. This case-led analysis distils what’s working, the technology underneath, and how to execute without blowing up risk.

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From 1 October 2025, the expanded Home Guarantee Scheme (HGS) materially widens what first-home buyers can purchase and where. By sharply lifting price caps and relaxing eligibility settings, the government has turned a rationed incentive into a demand accelerator. The near-term effect is clear: more buyers with viable deposits, a redistribution of competition across suburbs, and new pressure points for lenders and developers. The strategic challenge is managing the demand pulse without inflating prices or amplifying fiscal and credit risk.

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From 1 October 2025, the expanded Home Guarantee Scheme (HGS) materially widens what first-home buyers can purchase and where. By sharply lifting price caps and relaxing eligibility settings, the government has turned a rationed incentive into a demand accelerator. The near-term effect is clear: more buyers with viable deposits, a redistribution of competition across suburbs, and new pressure points for lenders and developers. The strategic challenge is managing the demand pulse without inflating prices or amplifying fiscal and credit risk.

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From 1 October 2025, the expanded Home Guarantee Scheme (HGS) materially widens what first-home buyers can purchase and where. By sharply lifting price caps and relaxing eligibility settings, the government has turned a rationed incentive into a demand accelerator. The near-term effect is clear: more buyers with viable deposits, a redistribution of competition across suburbs, and new pressure points for lenders and developers. The strategic challenge is managing the demand pulse without inflating prices or amplifying fiscal and credit risk.

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