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.