Doug Cameron’s Speech to Ahuri Mentions Penrith Speaks!






TUESDAY, 29 MAY 2018

I acknowledge the traditional owners of the land and pay my respects to their elders past and present.

I also acknowledge the invaluable work being done by AHURI on housing and homelessness research.

Last Saturday morning, I attended a Uniting Church Community Housing Forum in Penrith, Western Sydney.

The forum was organised by the Uniting Church and the Sydney Alliance Coalition of more than 40 not-for-profit community, educational and union organisations.

Presentations on housing and homelessness were given by community organisations, Penrith Council, academics and political parties, unfortunately no one from the Coalition attended.

A report was given on the results of 628 face-to-face conversations on March 17, 2018 with Penrith residents and visitors.

131 volunteers conducted sampling by doorknocking selected interview areas throughout Penrith local government area including walk up interviews, sporting fields, shopping centres and market stalls.

Age distribution of the sample closely resembles that of the ABS 2016 Census for the Penrith LGA for people aged 18 and over. The key results were as follows:

  • 82% are concerned about the lack of affordable rental housing in Western Sydney
  • 97% agreed everyone has a right to affordable rental housing
  • 98% agreed everyone has a right to secure housing
  • 70% disagree that it is easy for low income people to find rental housing
  • 87% say new housing developments in Western Sydney should include units that lower income people can afford to rent
  • 82% disagree that landlord should be able to evict tenants  without giving any good reason
  • 72% disagree that the New South Wales Liberal government is doing enough to make housing more affordable

Affordability, housing security, the need for more rental accommodation, and concern that the political class are not doing enough on housing affordability would, in my view, be replicated across the country.

Contributions from the floor of the forum identified the lack of public transport, lengthy commutes to jobs and concerns that young people in Western Sydney are being locked out of the housing market.

None of this would be alien to those attending this conference and these results could be replicated nationwide.

The 2016 census statistics are very concerning:

  • There were 116,427 people enumerated in the census who are classified as being homeless on census night.
  • The homeless rate rose by 27% in New South Wales, while Western Australia fell 11% and Northern Territory and Australian Capital Territory each fell by 17%.
  • Most of the increase in homelessness between 2011 and 2016 was reflected in persons living in “severely “crowded dwellings.
  • Homeless youth (aged 12 to 24 years) made up 32% of total homeless persons living in “severely” crowded dwellings.
  • The number of homeless persons age 55 years and above has steadily increased over the past three censuses.

An Anglicare survey shows that less than 1% of homes for rent in greater Sydney are affordable for households on low incomes. In most of our capital cities, rental vacancy rates are below 2%.

While housing construction activity in 2016 and 2017 kept pace with population growth, this did not dampen pent-up demand generated by years of under building in the affordable housing sector.

Housing affordability continues to be a significant problem.

As Professor Duncan McLennan has said, housing is one of the largest contributors to intergenerational inequality.

Young Australians are finding it almost impossible to access the housing market. Many young Australians will spend most of their lives in the private rental sector.

The International Monetary Fund found Australia has one of the highest house price to income ratio in the world.

Prior to the 2017 budget Minister Sukkar told Sky News:

“The housing package will be extraordinarily large, it will be far-reaching, it will deal with all the groups, on the spectrum of housing….It will be an impressive package; it will be a well-received package”

Well Minister, you got it wrong.

John Daly from the Grattan Institute said:

“You’ll need a scanning electron microscope to see an impact on prices”

I can’t see any reason why this budget is going to make a discernible difference to housing affordability; a discernible difference on the number of younger people that buy a house” (ABC 7:30 Report, 10 May 2017)

Adrian Pisarski from National Shelter:

“It’s a centrepiece without a centrepiece” (ABC News 24, 9 May 2017)

Homelessness Australia:

“The budget fails to deliver the big picture solutions needed to end homelessness”

“This budget is not fair because it fails to fix a broken housing system that encourages investors to own more than one house while 105,000 have no home at all”

James Toomey, Mission Australia:

“Disappointingly, the budget contains inadequate assistance for the many people in rental stress who remain just one step away from homelessness”

Richard Holden, Professor of Economics, University of New South Wales

“Yet the measures in this budget involve not much more than tinkering”

“But the biggest minus of all was the absence of any measure whatsoever to address negative gearing and capital gains tax exemptions for rental properties” (the Conversation, 9 May 2017)

First home buyer, Bree Marr, commenting on the salary sacrifice superannuation measure said:

“It wouldn’t even cover your stamp duty” (ABC 7:30, 10 May 2017)

This so-called extra ordinary large, far-reaching, housing package didn’t exactly knock the socks of community organisations, academics, or younger people trying to buy their first home.

When young people are lining up against housing investors in an attempt to buy their first home, it’s outrageous that investors are using government tax concessions to outbid them and leave their dreams shattered.

A housing package that fails to deal with negative gearing and capital gains tax exemptions is an ineffectual and inferior package.

It was reported last week that a number of Liberal politicians, including the Michaelia Cash, have penned essays eulogising Bob Menzies’ “forgotten people” speech.

I also note the former treasurer Peter Costello has described Australians who earn $200,000 as the “forgotten people”.

I have never been a fan of Peter Costello, a weak Treasurer who stood by while John Howard baked in an unsustainable structural deficit as a result of attempting to buy the votes of middle-class and wealthy Australians. We are still paying the price for this economic incompetence today.

Under Peter Costello the Coalition government showered financial largess on middle-class and wealthy Australians.

The real forgotten people in this country are indigenous Australians who have had government support in housing and health ripped away as part of the government’s unfair austerity programs.

The real forgotten people in this country are working-class households in rental and mortgage stress.

The real forgotten people in this country are the low income families who have lost their penalty rates and are struggling to put food on the table for their kids.

The real forgotten people are the young Australians who will never own their own home and will be hostage to a rental housing market that is not fit for purpose.

In his forgotten people speech, Menzies positioned home ownership as the basis of a stable society. He said:

“The home is the foundation of sanity and sobriety; it is the indispensable condition of continuity; its health determines the health of a society as a whole”.

He certainly did not think the rich and powerful needed a leg up. He said of them in the forgotten people speech:

“In most material difficulties, the rich can look after themselves”

So much for Peter Costello’s positioning of Australians earning $200,000 as the “forgotten people”.

The Prime Minister in his insensitive and arrogant comments to John Faine that he should just “shell out” and provide a bit of intergenerational equity in the Faine family so that his kids could enter the housing market shows how out of touch this Prime Minister and his government is.

Former treasurer Joe Hockey, who introduced the concept of “lifters and leaners” in his disastrous 2014-15 budget advised prospective homebuyers to get “a good job that pays good money, if you want to enter the property market”.

Not bad for a politician who retired in financial security due to the now-defunct and generous defined benefit superannuation scheme and moved seamlessly to enhance his retirement benefits with a stint as ambassador to the USA!

Coalition politicians are divorced from reality and the struggles of working-class Australians.

It’s over 12 months since the 2017 budget decision to establish a Bond aggregator through the National Housing Finance and Investment Corporation Bill 2018.

The Treasury Laws Amendment (National Housing and Homelessness Agreement) legislation has been passed however not one state government has signed on.

I expect that some state governments will sign off eventually, even though they are concerned with aspects of the NHHA.

Labor recognises the inequities in our taxation and housing systems.

Budgets and taxation are a demonstration of the priorities of a government.

Labor believes there are many priorities in housing, homelessness, health, education and infrastructure that should be addressed prior to costing the budget $80 billion to cut business tax for multinational corporations and giving $17 billion of tax relief to the banking sector.

Trickle-down economics does not work and this is a desperation tactic from a deflated, despondent and rudderless government.

This government’s economic “plans” have ranged from austerity budgets, increasing the GST, handing tax powers to the states and now trickle-down economics.

In contrast the Shorten opposition is united and focused on developing policies that balance the economic imperatives of the nation with the social needs of the community.

When last in government we took the following initiatives towards addressing housing affordability and homelessness:

  • We produced the Road Home White Paper on Housing and homelessness and developed national strategies and targets to reduce homelessness.
  • We committed to the Housing Help for Seniors Pilot.
  • We invested $5.6 billion in the Social Housing Initiative which delivered around 20,000 new homes, funded repairs and maintenance to 80,000 more and supported 90,000 jobs through the global financial crisis.
  • We provided $6 billion to the states and territories for affordable housing.
  • We negotiated the National Partnership on Homelessness which provided the state and territory governments with over $1 billion for reducing homelessness
  • We established the National Rental Affordability Scheme which has provided 30,000 new affordable rental housing units. The NRAS was on track to deliver 50,000 new affordable rental dwellings and the level of demand was such that it could have been extended by a further 35,000 dwellings.
  • We established the National Housing Supply Council.
  • We appointed a dedicated Minister for Housing and Homelessness.

In opposition we have announced:

  • Reform to negative gearing and capital gains tax concessions;
  • The facilitation of a COAG process to introduce a uniform vacant property tax across all major cities;
  • Limiting direct borrowing by self-managed superannuation funds as recommended by the 2014 financial systems inquiry;
  • Increased foreign investor fees and penalties;
  • The establishment of a Bond aggregator to increase investment in affordable housing;
  • Boosting homelessness support for vulnerable Australians;
  • Committed to achieving better results from the National housing and homelessness agreement;
  • Re-establishing the National Housing Supply Council; and
  • Appointing a Minister for Housing and Homelessness.

Labor’s package would see the construction of over 55,000 new homes over three years, and boost employment by 25,000 new jobs per year.

Since this announcement, Shadow Treasurer Chris Bowen has announced two major tax initiatives in addition to our previously announced tax policy;

  • The removal of imputation credit refunds and
  • The introduction of an Australian investment guarantee (a form of accelerated depreciation)

As Chris Bowen said on March 5, 2018:

“An important part of any sensible fiscal strategy is identifying those tax concessions which eat away at the revenue base and reform them or abolish them in order to underpin budget repair and the funding of new initiatives”

The difficult taxation decisions that we have made will allow Labor to do more on social issues such as housing.

Labor has indicated that will have more to say on Housing and Homelessness policy.

We have conducted a number of Housing and Homelessness forums across the country.

We have engaged and consulted with faith-based groups in relation to assessing and accessing church land for low income housing. Labor believes that we can reach mutually beneficial agreements with church groups that provide increased housing stock and reliable income streams to religious organisations.

We have had a number of roundtables with industry superannuation funds designed to increase institutional investment in community housing.

This can be done while meeting the obligations of the sole purpose test.  Government has a role beyond the Bond Aggregator to ensure that lower income individuals and families can benefit from institutional investment in community housing.

Government can play a role with superannuation funds by working towards developing a risk-adjusted rate of return on affordable housing that encourages institutional investment.

This would improve outcomes and ensure industry fund members achieve a comfortable retirement with the superannuation funds helping deliver economic and social outcomes which maximise long-term retirement benefits.

The growing trend of workers retiring while still paying off a mortgage results in superannuation savings being used to pay the mortgage off. This diminishes the capacity for individuals to retire securely outside the government pension system.

Australian industry superannuation funds already invest in social housing in the US and UK and it is time government, the community housing sector and the superannuation funds work together to increase superannuation fund investment in low income housing stock for the benefit of fund members.

A government guaranteed asset class in community housing can deliver long-term stable returns to the funds with benefits to individual fund members and the community.

There is a growing recognition that failure to meet the challenge of housing and homelessness will result in increased intergenerational inequality, growing social unrest; increase in cost to government through the health and justice systems.

The Commonwealth cannot continue to blame state and territory governments and local councils for lack of supply of suitable and affordable housing.

A concerted effort to develop a national housing strategy that includes all levels of government, business, the finance sector and the superannuation industry is fundamental to addressing what for many are the unsurmountable challenges in accessing an affordable roof over their head.

All options should be on the table including inclusionary zoning, build to rent, shared ownership and increased rights for tenants.

Labor shares the concerns of excluding build to rent from managed investment trusts as there is a need to increase housing stock across the continuum.

If we are serious about increasing housing supply, improving productivity and helping the disadvantaged in our community, then the Government must address the funding gap that still exists following the introduction of a bond aggregator.

Even Coalition Senators on the bond aggregator inquiry noted the submissions from the community housing sector on the need to fund the gap.

Labor will continue to develop our policies and priorities, however we do not believe an $80 billion handout to overseas corporations, big business and banks should be prioritised over the need to address affordable housing supply.


Authorised Noah Carroll, ALP Canberra


Negative gearing – some home-truths behind the figures

People in wealthier occupations are much more likely to use negative-gearing, according to Greg Jericho, writing in The Guardian.

When the annual taxation statistics were published in late April, the general media crowed that most negative gearers earned below $80,000.

However, Jericho writes, ‘of the nearly 400,000 people who are chief executives, executives or general managers, 18% claimed a rental loss, compared with 13% of the just over 700,000 school teachers, midwives and nurses.

‘Anaesthetists and surgeons – the two occupations with the highest median incomes, love to negative gear – 30% of anaesthetists, and 29% of surgeons do so.

‘And over the past four years, the big growth in negative gearing has been by those owning multiple properties’.

The chart – courtesy – shows that the proportion of negative gearers is highest among two groups: medical practitioners and air/marine transport professionals.


New FACS website is now live

FACS’ new website is now live. Design is more mobile-friendly design, navigation is better and information is easier to find. The design and build of the new site is user-centric, with users and NGO Peaks (and their member organisations) being consulted.

New FACS website pic

The new site replaces 10 existing FACS sites. The decommissioned sites are:

1 Family and Community Services (Old site)
2 Community Services
3 Housing NSW
4 Centre for Affordable Housing
5 Community and Private Market Housing Directorate
6 Housing Pathways
7 Future Directions
8 Fostering our Future
9 Disability Council NSW
10 Ministerial Advisory Committee on Ageing

The new site has a dedicated section for funded service providers. A dedicated page about peak organisations is also being built. FACS invites feedback on the new site, either from each individual page or to

Anglicare Rental Affordability Snapshot 2018

“Our housing system is failing millions of Australians. Rents have been rising much faster than people’s incomes. And we don’t have enough secure, affordable rentals. This year’s Rental Affordability Snapshot shows that we need action now to stop more and more people from falling into rental stress and hardship.”

Anglicare’s Rental Affordability Snapshot 2018 again shows that people on Newstart, an aged pension, Youth Allowance, a disability pension or the minimum wage have little choice available to them which is both appropriate and affordable. Of the 67,365 properties surveyed only 6% were affordable for those households on government income support payments. But if you were single and receiving Youth Allowance or Newstart there were just three properties in the whole country that were affordable and suitable. These are just some of the alarming results. For a full breakdown click on the link included at the end of this article.

Anglicare have suggested that the following steps be taken to address the ever-increasing affordability crisis:

  • Fund homes for people on low incomes by fixing the tax system with changes to negative gearing and capital gains tax exemptions.

“Billions more of public funding goes towards supporting housing speculators and investors, rather than ensuring everybody has a home.”

  • Relief for people struggling to pay rent by raising CRA to accurately reflect the real cost of renting in the private market.

“There has been no relief for people on low incomes looking for affordable and suitable homes in our major cities. For people on minimum wage, options are also becoming limited.”

  • Adopting a ‘housing first’ approach asking Federal and state governments to move to a system which ensures that anyone who finds themselves without can have a home and the support to maintain it.
  • A better deal for renters by reforming the tenancy laws to address the lopsided power granted to landlords.

“People cannot make where they rent their home if they can be evicted with little notice and no cause… Anglicare Australia is calling for the immediate development of a single tenancy system that delivers fair and consistent renting rights such as these for all Australians.”


The full report is available at: Rental Affordability Snapshot 2018

A minute with Magnus

So, can I have one minute of your time? I want to talk about the importance of advocacy –speaking up for the poor and vulnerable, especially those who find it difficult to be heard at all, they need our help! In this case the very-low, low- and moderate-income Magnus 2016earners who are in a great deal of stress because their rental housing is unaffordable and too far away from work.

Churches Housing has, over the years, spent a lot of time writing submissions to government, highlighting evidence-based research and participating in forums, advisory boards, panels and so on. This is important work, but the results are incremental and sometimes impossible to measure.

Grass-roots campaigns work

Another form of advocacy, which appears to be more effective, has been to collaborate with others to organise a more grass-roots campaign asking for changes in the area of social and affordable housing.

Partnering with the Sydney Alliance, Churches Housing has been able to lead delegations to visit local state MPs, Ministers and key advisors to the Government, assist in organising large rallies (with attendances of 380 and 600+) and speak with the leaders of key government agencies such as the Greater Sydney Commission, Urban Growth and Landcom.

We have been able to get our message out to real and ordinary people through our network, through social media, radio interviews, media releases, articles and public meetings and increasingly our message is being heard by Government.

As the tide of public opinion swells, our voice of reason and call for more effective targets and measures of affordable rental housing becomes stronger.

We are here for the long haul and we will continue to push together for effective targets for the mandatory inclusion of affordable housing in all larger developments i.e 15% on private land and 30% on government land.

Join us on Saturday 17 March

Below you will see an invitation and online registration to join our listening campaign in Penrith, a marginal government seat, on Saturday 17 March.

Please consider joining us! It doesn’t matter if you live in Penrith, what matters is that we make enough noise to be heard all the way back to Macquarie St.

This issue affects all Sydney but we hope that Penrith on this day can speak for all of us.

See you there!

L’Arche worker receives more than she gives

Julia Beckmann with Andrew

Julia Beckmann with Andrew


Julia Beckmann came to spend time at L’Arche in Sydney, expecting to give help – but she did not know that she would receive far more than she gave to the organisation that is Churches Housing’s newest member.

This 19-year-old student from Duisburg, western Germany, had heard of L’Arche through her leadership of the altar service group at her local Catholic church and she knew that people with disabilities were cared for by live-in and live-out assistants in their own homes.

‘What I wasn’t prepared for was to be so welcomed when I came to the L’Arche community,’ says Julia.

‘I was expecting something different. It has been positively surprising – and so beautiful. I didn’t know that people with disabilities could be so passionate about God, especially one core member Gabriele who prayed and said grace daily.

‘Sharing life in L’Arche has deepened my faith and that was so surprising, especially because I was not expecting this. Faith is such a personal thing.’

Arriving in mid-September 2017, Julia finishes her time in L’Arche in mid-March, and would like to stay for longer before she returns to Germany to take up university studies.

For Julia, her time living at Merrylands has changed her life. ‘At the first Spiritual Soup night, I was so moved that I almost cried. Everyone was singing, praying, remembering and celebrating’.

‘Recently, I had two days away and when I came back to what has become my home, I received the biggest hug from Andrew, who is one of the core members. Joseph always greets me with ‘when did you get home!’ I felt so happy to be at home with everyone again’.

Julia’s return to Germany is bittersweet. ‘Even when I’m studying. I also want to volunteer or do part-time work in the social field as L’Arche will always be part of my life from now on and the memories of my time within the community will always be with me. I also hope to visit the L’

Muslim Care looks to expand housing



Ahmad Mokachar


Rana Kabbout

Ahmad Mokachar and Rana Kabbout, Muslim Care, talk about their plans for the organisation’s future.

As Churches Housing’s latest member, Muslim Care is clear about its direction.

Established in 2012, the aim for Muslim Care is to plant seeds through enhancing, assisting and developing community services. Chairman Ahmad Mokachar said: ‘We aspire to assist the composition of the wider Muslim community within our multicultural diverse society.’

Rana Kabbout, coordinator, adds that Muslim Care began with a day centre and home care assistance and transport. It has now expanded to aged care, youth care, family support, education, disability and housing.

Disabled seniors need urgent help

Both Ahmad and Rana are particularly concerned for the urgent housing needs of disabled seniors and are looking for funding. Ahmad says: ‘Our plan is to begin in a small way – for example, one or two units in a 10- to 12-unit block. We are working to demonstrate the urgent need for this.’

Rana explains that ‘we hope to do this through having preliminary meetings in which we build relationships and discuss policies. From there, we can work on designs that meet people’s needs and will pass Council regulations. We want to work together with Councils on these projects.’

Muslim Care plans, first, to gain experience and begin by managing other people’s properties – whether they are individual homes, units or blocks of units. Or, assume the management of existing NRAS (National Rental Affordability Scheme) properties.

Second, Ahmad and Rana plan to work with developers to build affordable housing

Third, they will build networks and partner with housing providers.

Muslim Care plans to use Chintaro social housing software for managers of tenancies, properties, finances, IT and for reporting requirements because it is tailor-made for social housing providers. Many Churches Housing members use it and it complies with national standards of reporting.

Education established

Over the past decade, says Ahmad, Muslim Care saw the need to establish educational institutes to help with settlement and demand for extended services – which led to developing Al Zahra Mosque, and Al Zahra College.

‘Muslim Care has since effectively secured services for senior citizens, people with a disability, family, the wider community, youth and housing,’ he says.

Rana says that, as an approved residential care provider, the organisation currently runs a program through the Commonwealth Home support program(CHSP) for the frail and aged via social support services.

The organisation also provides home care services such as personal or domestic care in the person’s home.

The organisation was approved as a housing provider in December 2017 and has obtained approval to provide services through the NDIS (National Disability Insurance Scheme) promoting inclusion and various services to individuals under 65 with a disability to enhance their well-being and independence.


Affordable Housing: Penrith Speaks!

4 Logo SA words side by side



Act on Affordable & Secure Rental Housing

Hosted by Sydney Alliance & Citizen Action Penrith Affordable Housing (CAPAH)

It is no secret that the people of Penrith have a powerful voice with decision makers in Sydney. Especially a year out from the next NSW election. But did you know that almost one third of people in Penrith are renters? Many more have their kids or grandkids experiencing the crisis.

Sydney’s epic affordable housing crisis is making the news every day and yet the NSW Government has no plan for affordable rental housing and have not acted to make rentals more secure for hundreds of thousands of Sydneysiders.

Over 150 citizens will be engaging their neighbours in Penrith on Saturday March 17th. Citizens will be using a survey to start intentional conversations on the issues.

Together we will gather hundreds of voices from Penrith on affordable and rental housing and send a clear message to all parties that action is needed!

Step up!

March 17th St Nicholas of Myra Catholic Church, 326 High St, Penrith.

10:15am for 10:30am-10:50am Briefing

Meeting, briefing & run-through You’ll be given copies of the survey content, method, photo and badge.

11:00am – 12:45pm

You’ll proceed to places across Penrith & engage folks in conversation!

12:45pm – 1:30pm

Return to St Nicholas Myra to gather survey results, BBQ and debrief!




Or by contacting your organisation Sydney Alliance rep.

Multi-family housing gains traction

06 James Brennan EY presenter

EY’s James Brennan

Build-to-rent or ‘multi-family housing’ is a relatively new concept in Australia and so it was the topic for Churches Housing’s networking breakfast on Friday 16 February with Ernst & Young’s James Brennan.

Brenna, who is EY’s director, Real Estate Advisory Services, said that the definition of multi-family housing is ‘purpose-built rental accommodation which is institutionally owned and operated, principally to secure a defensive income stream’.

‘Build-to-rent is largely a revenue-driven business, managing expenses closely via a comprehensive asset management platform. Revenue growth through dynamic pricing strategy is critical to long-term success.’

He outlined two scenarios for churches considering this idea – ground lease or sale – and analysed both from two viewpoints: the landowner (church) and the investor/manager.

06 Fr Shenouda Mansour at Networking Breakfast

Fr Shenouda Mansour, Ecumenical Council

OPTION 1 Ground lease

Landowner/church: grants a long-term ground lease, providing annuity income or units allocated for affordable housing; the landowner retains ownership of the land and improvements at the end of the lease period

Investor/manager: there is no upfront land cost, thus reducing Total Development Cost; target Internal Rate of Return (IRR) is 8-12%


Landowner/church: caveat on the title requires ‘x’ number of units to be affordable housing; the land is ‘foregone’ but the affordable units stay in perpetuity

Developer/manager: long-term annuity market income; required to manage affordable units; target Internal Rate of Return (IRR) is 8-10%

For information, contact James Brennan, 0409 190 326,