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Unfortunately most people aren't very financially educated. They just look at the money they receive and pay no attention to the consequences of it. We live in a country of instant gratification where people would rather take out a personal loan and pay 15% interest each month instead of saving...

It?s already been widely acknowledged by academics, economists, and sectors of the media that letting people access their super in order to take out a home loan is bad policy, which will lead to house prices inflating even further. Politicians generally act for short-term populist interests...

Passing a law to allow FHBs to access their super for a deposit would be absolutely terrible policy. It will do exactly the opposite of making houses affordable, as the super will just cause an inflationary effect. The 'affordability crisis' is really only limited to Sydney. Personally I'd...