Housing Strategy

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The Australian Government should formulate a national housing strategy that sets clear directions for Australia’s housing sector, according to not-for-profit group National Seniors Australia.
In the submission to the House of Representatives Standing Committee on Economics, National Seniors also recommended the examination of all types of housing and issues associated with access, adequacy, affordability and security by utilising findings from the Inquiry on Homeownership, the Inquiry on Affordable Housing, the Federation Review and the Tax Review. 
"Outright homeownership has been falling for people aged 55 and over (39.7% in 2001 to 32.1% in 2011)meaning that a greater number of older Australians are either paying off mortgages during retirement or moving from homeowner-occupier into alternative forms of accommodation.
"Other reasons for a fall in homeownership amongst older Australians include loss of paid employment and significant life events such as divorce or losing a partner. 
"Research suggests that insecurity within the private rental market amongst older Australians has led to a shift to public housing.The Australian Housing and Urban Research Institute (AHURI) has found that older public housing households are expected to increase from 87,940 in 2001 to 109,560 in 2016, an increase of 24 per cent.
"In the 85+ age group these are expected to increase by 155 per cent. 
"Furthermore, by 2026 the number of lower-income people aged 65 and over who are living in rental households (as homeownership falls) are projected to far exceed the supply capacity of the social housing system. 
"Census data from 2006 to 2011 shows a steady increase in the number of renters aged 55 and over in the private market."
National Seniors Australia recommends that the Australian Government, in collaboration with state and territory governments, examine tenancy regulations, rights and advice services.
The aim would be to deliver security and support for long-term renters; recognise that renting in the private market is a significant form of tenure for many Australians; and increase the attractiveness of this form of tenure for Australia’s long term housing needs. 
"Older renters experience significant anxiety linked to their security of rental tenure and many experience housing stress.Such housing stress is magnified due to rent increasing well above CPI and the insufficiency of Commonwealth Rent Assistance. 
"Renters face a number of disadvantages including forced moves which greatly contribute to instability. The frequency of moving between owners and renters in Australia is the highest in the OECD.
"The lack of long term (beyond 6-12 months) leases available to Australian renters increases instability.  
"Limiting the ability of property investors to terminate leases for ‘any reason with notice’ to a list of prescribed criteria, allowing pet ownership and minor alterations to the rental property would greatly enhance the lifestyle available to renters.  
"Improving the stability and security of tenure for a renter would provide them with the ability to receive similar non-financial benefits available to home owners.
"Creating greater equity in the Australian housing market would reduce the desire to become a homeowner, subsequently reducing the demand which is currently driving high housing prices in the market. 
"National Seniors recommends that the government investigate policies that will address barriers to downsizing (or 'rightsizing') for older Australians, for example, a national ‘rightsizing’ program. 
"Older Australians face barriers to relocating including: the inability to find value for money, stamp duty, moving costs, lack of suitable housing in familiar surroundings with easy access to required amenities, and impacts of selling the home on Age Pension eligibility. 
"These barriers also decrease capacity for older Australians to access equity in their home to assist with living costs during retirement. 
"Proceeds from the sale of the family home continue to remain exempt from the Age Pension assets test for up to 12 months, as long as the funds are intended to buy another home. 
"However, any interest earned on sale proceeds is counted under the income test, and, if a cheaper home is purchased, any surplus cash is included in the Age Pension asset test. 
"Concerns regarding the proceeds of the sale of the home being subject to the Age Pension assets test discourage 20 per cent of all seniors, and 30 per cent of Age Pensioners from selling the home.
"In 2013 the then Labor government announced the Supporting Senior Australians—housing help for seniors pilot,to address some of the barriers to downsizing that older Australians face. 
"The pilot exempted a portion of sale proceeds from the Age Pension asset test. However, it also applied restrictive conditions, including the requirement that a homeowner had to own their home for more than 25 years and quarantining the proceeds for ten years. 
"As an alternative National Seniors has called for the implementation of a ‘Rightsizing’ program that exempts up to $150,000 in proceeds from the sale of the home from the Age Pension income or asset test. 
"Excess sale funds could then go towards critical services, such as health costs, significantly reducing the burden on government-supported health systems. 
"The recent changes to the Age Pension asset test (legislated in June 2015) will provide an even greater deterrent for seniors to right-size. Reconsideration should be given to a program that allows seniors to right-size without the threat of future reductions to their Age Pension payments." 
National Seniors recommends that the states and territories provide concessional stamp duty to older Australians to encourage downsizing and maintenance of homeowner-occupier tenure. 
"A reduction in stamp duty would encourage older people to right-size their homes and improve quality of life, while also providing many younger Australians access to suitable family homes which would not otherwise be available."
 
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Seniors group calls for defined federal housing strategy

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GUEST OBSERVER
Energy efficiency in Australian homes is an increasingly hot topic. Spiralling power bills and the growing problem of energy poverty are set against a backdrop of falling housing affordability, contested carbon commitments and energy security concerns.
Most people agree we need modern, comfortable, eco-efficient homes. This article is not about the relatively few, new, demonstration “eco-homes” dotted around Australia. It is about the rest of our housing.
These mainly ageing homes might have had energy efficiency improvements done over the years, but invariably are in need of upgrading to meet modern standards of efficiency and comfort.
Since 2006, all new-build housing must meet higher energy efficiency standards. But we add only around 1% to the new housing stock each year.
Policies to improve energy efficiency in the other 99% are more fragmented. The focus is almost entirely on market-based incentives to “retrofit”. By this we mean material upgrades to improve housing energy and carbon performance.
The transition has begun
Nevertheless, a major retrofit transition is under way. In the last decade, around one in five Australian households has installed solar panels. More than three million upgrades have been carried out through the Victorian Energy Efficiency Target (now Victorian Energy Upgrades) initiative.
These impressive numbers describe a nationally important intervention. But does this mean we will soon all get to live in eco-homes, rather than just a lucky few?
Current retrofitting activity has occurred unevenly and may contribute to longer-term inequalities.
For example, rebates for deeper retrofits often are more accessible to the better-off home owners. They have matching cash and also rights to make major upgrades (as opposed to renters). This entrenches the existing reality that low-income renters tend to live in less energy-efficient homes.
Similarly, in the UK, retrofit incentives haven’t always successfully targeted those most in need. The distribution of costs has contributed to pushing up energy prices for those already in energy poverty. In Australia, up to 20% of households were already in energy poverty before recent price rises.
Thus, if poorly targeted and funded, energy efficiency initiatives might make existing dynamics worse and add to the cumulative vulnerabilities of housing affordability stress.
Keeping track of how homes rate
We cannot effectively monitor this. This is because Australia has no robust, longitudinal national database of property condition. There is no established, widespread practice of property owners obtaining property condition reports that set out the energy-efficiency performance and the most viable improvements that could be made.
This means we do not have a systematic way of knowing what we should do next to our homes, even if we are lucky enough to own them and have some cash available, as well as the time and motivation to retrofit.
To the rescue, at least in Victoria, is the new Victorian Residential Efficiency Scorecard. This is an advance on previous attempts (as in the ACT and Queensland) to develop comparable assessments of the energy efficiency and comfort levels of your home. Although voluntary, the scorecard will provide owners with a report on their home and a list of measures they can consider to transform it “eco-homewards”.
So, is the scorecard the answer to our problems? Will it bring forward the date when we can all live in comfy eco-homes? It will certainly help.
<img src="https://images.theconversation.com/files/206484/original/file-20180215-124914-1xet6qk.jpg?ixlib=rb-1.1.0&amp;q=45&amp;auto=format&amp;w=237&amp;fit=clip" alt="">
 Since 2010, the European Union has mandated ratings of how a building performs for energy efficiency and CO₂ emissions.
The European Union has had a mandatory system since the Energy Performance in Buildings Directive. The evidence suggests this has raised awareness of energy efficiency by literally putting labels of buildings in your face when you are deciding where to buy. It’s much like Australians have become used to energy efficiency labels on fridges and other appliances. However, evidence of this awareness actually leading to upgrade activity is more mixed and, in some cases, disappointing.
In short, we need the scorecard and should welcome it. However, we also need a set of other measures if we are to make the transformations to match our national policy objectives and our desires for a comfy eco-home.
What else needs to be done?
The research agenda is also shifting to explore the social and equity dimensions of the retrofit transition.
In areas where installation work on energy-efficiency/low-carbon retrofits is increasing, how is this working in households? Who makes decisions? How do they decide and with what resources? What or who do they call upon? And, more broadly, what are the positive or problematic consequences for equity and, therefore, for policy?
Emerging retrofit technologies and behaviours have broader social and economic contexts. This means we need to understand the wider meanings and practices of homemaking, the uneven social and income structures of households, and the home improvement service industry.
While the retrofit transition is arguably under way, its consequences and dynamics are still largely unknown. We need to refocus away from simply counting solar systems towards understanding retrofitting better. This depends on understanding both the households that are retrofitting their homes and the industries and organisations that supply them.
<img src="https://counter.theconversation.com/content/91231/count.gif?distributor=republish-lightbox-basic" alt="The Conversation" width="1" height="1">To get energy policies right and overcome energy poverty, we need to bring together studies and initiatives in material consumption, sustainability and social justice.
Ralph Horne, Deputy Pro Vice Chancellor, Research &amp; Innovation; Director of UNGC Cities Programme; Professor, RMIT University
Emma Baker, Associate Professor, School of Architecture and Built Environment, University of Adelaide
Francisco Azpitarte, Ronald Henderson Research Fellow Melbourne Institute of Applied Economic and Social Research &amp; Brotherhood of St Laurence, University of Melbourne
Gordon Walker, Professor at the DEMAND Centre and Lancaster Environment Centre, Lancaster University
Nicola Willand, Research Consultant, Sustainable Building Innovation Laboratory, RMIT University
Trivess Moore, Research Fellow, RMIT University
This article was originally published on <a href="http://theconversation.com" target="_blank">The Conversation</a>. Read the <a href="https://theconversation.com/the-other-99-retrofitting-is-the-key-to-putting-more-australians-into-eco-homes-91231" target="_blank">original article</a>.
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