How to fix the housing market's ills

Imposing maximum loan-to-valuation and debt-service-to-income ratios may reduce the risk for our banking system and give the RBA more flexibility to act when house prices inevitably fall.

Housing is a big deal. It is the biggest purchase that most of us will make in our lifetimes.

It is also the most dangerous.

The Australian housing market is worth over $4 trillion and housing debt accounts for over 90 per cent of all household debt and around 60 per cent of all household wealth. Our investment profile flies in the face of all investment advice. As a nation, our wealth is woefully concentrated.

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