Division 296 — the $3 million super tax — is now law and applies from 1 July 2026. What it does, why unrealised gains are no longer taxed, and the life, TPD and income protection cover inside super a restructure shouldn't strand.

Most Australian retirees stay in the family home for practical and emotional reasons, reinforced by tax and pension settings that reward staying put. This spoke looks at what staying costs the individual household — the home as its largest, least-liquid asset and eventual aged-care funder — and the real risk of a sale forced early rather than chosen.

Australia has about 13 million spare bedrooms across roughly 7.4 million households, yet still has a housing shortage. This spoke explains housing under-utilisation as an allocation problem — and why the same tax settings that concentrate investment ownership also lock up family-sized stock, leaving wealth in an illiquid asset worth protecting.

Mortgage protection insurance in Australia is the life, TPD and income protection cover that protects the wealth and loan commitments tied up in property. As property and super tax settings shift in 2026–27, this hub explains why a small change can move prices — and why protecting the wealth held in property matters whatever the market does.

New Zealand wound back investor tax breaks in 2021 — bright-line to 10 years, interest deductibility gone — then reversed both in 2024. One of the developed world's larger corrections followed. The planning lesson for Australians: protect the wealth held in property.

Canada's house prices fell ~14% from their 2022 peak as a record migration surge reversed and rates rose — not mainly the foreign-buyer ban. The planning lesson for Australians: protect the wealth held in property.

About 2.27 million Australians own a residential investment property. Around 70% own just one, yet multiple-property investors hold close to half of all investment housing — and that concentration sits at the margin that helps set prices.

Internal migration of 1% of a local population is linked to a 0.7–0.8% house-price rise — and far more in supply-constrained markets like Karratha and Byron Bay. The planning lesson: protect the wealth held in property.

For many Australian households, most net worth sits in illiquid property. The risk is a forced sale if an earner dies or is disabled — life, TPD and income cover answers it.

New residential property borrowing inside an SMSF is being banned. What the limited recourse borrowing arrangement (LRBA) change means for new and existing funds — timeline, who is grandfathered, and the insurance question for geared SMSF property.