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Australia hasn't invested in new houses to the quantity and quality that is required. Homeowners who already had equity in their own homes don't want the different types of housing such as duplexes, units, high- rise and tiny houses in their area because of lowering the value of their home...

On the surface it appears that by reducing your mortgage that your stress will be diminished. Consider, the current mortgage rate is around 6% whilst the average default super is 8% in a good super fund. There's talk of mortgage rates reducing in the near future which will increase to the gap of...