Senate Select Committee on Intergenerational Housing Inequity (part 2 of 2) — hearing of 3 September 2026: transcript & video · Polyfact

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Senate Select Committee on Intergenerational Housing Inequity (part 2 of 2)

3 September 2026

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Contents updated on 3 Sept 2026

The committee opens with RBA witnesses and examines how housing affordability enters the Bank’s monetary policy and financial stability framework, focusing on transmission channels, intergenerational effects across tenure types, and the burden of mortgage and rental stress on younger, highly indebted households.

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RBA mandate and monetary policy impacts on housing

15:41

RBA witnesses introduced and mandate context

15:41

Housing affordability — monetary policy transmission channels

16:27

Intergenerational effects — borrowers, renters and unindebted owners

20:45

Mortgage pain, transmission effectiveness and renters’ situation

24:52

Rents, financial stability and bank profitability within RBA remit

31:26

Rents, rent caps and RBA’s limited policy toolkit

31:26

Affordability, systemic risk and negative equity buffers

33:18

Tax changes, house prices and negative equity data request

36:50

Bank profitability, product innovation and mortgage market competition

39:06

Profits, price gouging and the RBA’s focus on rate spreads

43:07

Tax settings, housing supply, ownership trends and affordability

47:55

Senator Bragg — tax changes, housing supply and rents

47:55

Debate over deliberate supply reduction and rental inflation

54:05

Declining home ownership and macroeconomic implications

01:01:59

Household indebtedness, resilience and systemic risk assessment

01:04:16

Government 5% deposit scheme and high LVR lending

01:09:03

House price forecasts, recent declines and long-run surge

01:12:03

Restoring affordability — supply constraints and construction costs

01:14:48

Cost of construction, supply economics and public housing

01:15:51

Health expert evidence on housing conditions, mental health and policy reform

01:19:43

Dr Mason’s opening — housing as a health determinant for youth

01:19:43

Mental health impacts of affordability stress and poor housing

01:23:34

Recommendations — rental security, national standards and tax reform

01:29:17

Climate-proofing housing stock and resisting code rollbacks

01:31:30

Large rent increases, uncertainty and young renters’ mental health

01:34:46

Hearing close and procedural wrap-up

01:37:16

Senate Select Committee on Intergenerational Housing Inequity (part 2 of 2)

3 September 2026

Senate Select Committee on Intergenerational Housing Inequity Thu, 3 Sept 2026 Australian Parliament

15:41 - 15:55

Speaker 4

I understand that information on parliamentary privilege and the protection of witnesses giving evidence to committees has been provided to you. For the Hansard record, could you please both state your full names and the capacities in which you appear?

15:55 - 16:03

Speaker 1

Thanks, Senator. Dr. Sarah Hunter, Assistant Governor, Economic at the Reserve Bank of Australia.

16:03 - 16:11

Speaker 5

Dr. James Bishop, Senior Manager, Financial Stability Department at the Reserve Bank of Australia.

16:11 - 16:20

Speaker 3

Thank you. And now would you like to make, invite you to make a short opening statement if you would care to before we go to our questions.

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