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“Housing stress influences a whole range of non-housing outcomes, including workforce participation; access to jobs and services; health; social participation, family stability and educational outcomes. It can lead to homelessness.

Access to housing finance is critical for a housing market. So too is focussing focusing on better consumer outcomes and restoring trust in lending practices, said Michelle.

Since the recommendations of the inquiry were handed down some reports have suggested customers will now be unable to secure a mortgage.

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