Coalition housing spokesman Andrew Bragg wants people to be able to access superannuation as collateral for a home loan. Is this a good idea?
Yes - anything that helps home ownership is welcome
No - Superannuation is for retirement, not a Liberal housing solution
It depends on if the policy leaves more people on the age pension
Which potential benefit matters most to you (if any)?
Helps first-home buyers enter the market sooner
Reduces lenders’ risk and could lower interest rates
Allows people to leverage existing retirement savings
Could increase housing supply by boosting demand to build
None of these / I don’t see a benefit
Which risk concerns you most (if any)?
Reduces retirement savings and worsens retirement outcomes
Pushes up house prices by increasing buying power
Exposes super to housing market downturns
Could increase inequality (benefits higher-income earners more)
None of these / I’m not concerned
Who (if anyone) should be eligible?
Only first-home buyers
Only low- and middle-income buyers
Anyone buying a primary residence
Anyone (including investors)
No one should be eligible
What safeguards would be necessary for you to support it?
Strict cap (e.g., only a small % of super can be pledged)
Only for new builds / adds to housing supply
Mandatory financial advice / cooling-off period
Protection so super can’t be seized (only used to reduce LVR)
I would support it even without safeguards
No safeguards would make me support it
Thanks for voting. If you want, share what conditions would change your mind (e.g., caps, eligibility, or protections for retirement savings).
Coalition housing spokesman Andrew Bragg wants people to be able to access superannuation as collateral for a home loan. Is this a good idea?
0 Votes
Yes - anything that helps home ownership is welcome
0%
0 Votes
No - Superannuation is for retirement, not a Liberal housing solution
0%
0 Votes
It depends on if the policy leaves more people on the age pension
0%
Which potential benefit matters most to you (if any)?
0 Votes
Helps first-home buyers enter the market sooner
0%
0 Votes
Reduces lenders’ risk and could lower interest rates
0%
0 Votes
Allows people to leverage existing retirement savings
0%
0 Votes
Could increase housing supply by boosting demand to build
0%
0 Votes
None of these / I don’t see a benefit
0%
Which risk concerns you most (if any)?
0 Votes
Reduces retirement savings and worsens retirement outcomes
0%
0 Votes
Pushes up house prices by increasing buying power
0%
0 Votes
Exposes super to housing market downturns
0%
0 Votes
Could increase inequality (benefits higher-income earners more)
0%
0 Votes
None of these / I’m not concerned
0%
Who (if anyone) should be eligible?
0 Votes
Only first-home buyers
0%
0 Votes
Only low- and middle-income buyers
0%
0 Votes
Anyone buying a primary residence
0%
0 Votes
Anyone (including investors)
0%
0 Votes
No one should be eligible
0%
What safeguards would be necessary for you to support it?
0 Votes
Strict cap (e.g., only a small % of super can be pledged)
0%
0 Votes
Only for new builds / adds to housing supply
0%
0 Votes
Mandatory financial advice / cooling-off period
0%
0 Votes
Protection so super can’t be seized (only used to reduce LVR)
0%
0 Votes
I would support it even without safeguards
0%
0 Votes
No safeguards would make me support it
0%