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Australians are struggling to find affordable homes, whether to rent or buy.

We want to hear your stories and questions, and our experts will answer them.

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By Fergus Gregg

I'm hearing about the global housing crisis. Is Australia's crisis unique?

- Amy R

Gerard Burg from Cotality answered Amy R's question:

Other countries have similar housing challenges.

I don't know the exact reasons for these challenges, but it shows we're not alone.

Australia's housing affordability problem is about demand outpacing supply.

It's a complex issue, with many factors like materials, labor, and regulations.

Taxes like stamp duty can limit the efficient use of existing homes.

The problem can't be simplified; it needs coordinated government actions.

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By Annabel Bowles

Many people have shared how the tight property market affects them.

Pricedout: High rents stopped me from saving for a home deposit.

Anna: We moved to a cheaper area to save for a home, but now we can't afford to build near the city.

Michael: I'm 40, separated, and can't afford to get back into the market, despite earning above average.

Thanks for sharing; please keep commenting!

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By Annabel Bowles

The federal government's 5% Deposit Scheme helps first home buyers.

The government guarantees 15% of the loan, and lenders' mortgage insurance is waived.

Jordan Fernance and his wife used the scheme to get into the market faster.

Jordan credits the scheme for helping them buy a home sooner.

They earn good money, but saving for a home was hard due to rising prices.

The couple chose a 5% deposit to get into the market sooner, despite potential higher interest.

Jordan feels secure owning his home, despite the bank owning it.

No one can sell the home or tell them to move; they have control.

Owning a home gives Jordan a sense of security and satisfaction.

You can read more about the 5% Deposit Scheme below.

By Fergus Gregg

Gerard Burg from Cotality is joining us to answer questions.

Mr. Burg is an economic analyst with over 20 years of experience.

His answers will be backed by a team of economists and researchers.

If you have questions about Australia's property markets, ask them above.

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By Annabel Bowles

Tom Alves from the Australian Housing and Urban Research Institute is here.

Dr. Alves oversees the National Housing Research Program.

He has a PhD in housing and urban studies and extensive experience.

Dr. Alves is excited to join us and answer your questions.

Please submit your questions for Dr. Alves above.

By Annabel Bowles

Have you struggled to find a rental or buy a home?

Maybe you're a retiree wanting to downsize, but it's not financially viable.

I'm Annabel Bowles, with Fergus Gregg, and we want to hear about housing affordability.

We have experts Tom Alves and Gerard Burg to answer your questions.

We want to hear your stories about housing insecurity.

Whether you're living with parents or struggling to make mortgage payments, share your story.

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