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.