Category: Politics

Your House Doesn’t Count (And Other GDP Surprises)

A whole house, and the scale reads zero. That’s the thing about GDP nobody explains: a home going up in value adds nothing to what the country actually produces.

A couple of weeks ago I drove seven hours to hand out how-to-vote cards, then wrote the whole thing up. Quite a few of you read it. This week my big adventure was reading about capital gains tax for forty minutes on a perfectly good weekday because a Michael West Media piece landed in my inbox and I couldn’t help myself.

Every time the New York Times, Michael West Media or The Conversation turns up, I do a deep dive. A very deep dive. So between the seven days at a polling booth and the forty-minute tax binge, I think we can all agree: I need to get a life.

The good news is I’m going out with friends this weekend. Nice wine, good food, great company. Long overdue.

Before I go and remember what conversation with non-economists feels like, here’s the thing that piece explained that finally made GDP make sense to me after years of nodding along and understanding nothing.

The two kinds of “investing”

There are two ways to put your money to work. They look the same. They are not.

You can buy something that already exists, like an established house, and wait for it to go up in value. You end up richer. Good for you. But nothing new got made. The house was already standing. No extra jobs, no extra goods, nothing extra for the country. Your wealth went up and the nation’s output didn’t move an inch.

Or your money can go into a business. The business buys equipment, trains people, makes products, hires staff. That lifts what the country can actually produce. More gets made for every hour worked. That’s productivity, and productivity is the thing that makes wages rise over the years, for everyone, not just the person who put the money in.

So one is a win for you. The other is a win for you that’s also a win for the whole country.

That was the click for me. I’d always heard “investment” and pictured someone buying a rental. Turns out economists barely count that as investment at all. If it isn’t increasing what the country can produce, it’s really just savings wearing a nicer jacket.

Why it matters for the budget

For 25 years Australia poured its money into the first kind. Existing houses. The tax system practically begged us to, with the 50% capital gains discount and negative gearing making an established property the smartest tax play going.

The result is a $12 trillion housing market, nearly four times the value of every company on the stock exchange combined. A mountain of money sitting in houses that just go up in price, instead of in businesses that build things and employ people.

As one financial writer, Harry Chemay, put it in Michael West Media last week, residential land “may appreciate over time, but it does not by itself generate any economic output.” A house going up in value makes the owner richer without the country producing a single thing extra. michaelwest

That’s what the 2026 budget is trying to shift. Nudge the money out of “buy an old house and wait” and into building new homes and backing businesses. Whether it works is a separate question, and the government has done a woeful job explaining any of it, which I got into elsewhere. But the idea underneath is sound, and it’s the first time I’ve properly understood why anyone bothers measuring productivity at all.

If you want the plain-English version of what the budget actually does to your tax, I wrote that for Betty from Blacktown here. The polling booth piece, if you missed it, is here . And the family farms and capital gains argument is here.

Right. Wine.

Albo the Silent Partner – a budget explainer for Betty from Blacktown

Somewhere in Blacktown, Betty is reading the budget papers. Her accountant isn’t answering. Her family’s at work. The Treasurer is on the telly saying “distortions. This post is for her.

G’day Betty.

You rang your accountant. He didn’t ring back. Your daughter’s working two jobs and your son-in-law’s on night shift, so the family WhatsApp is all emojis and no answers. Meanwhile every news bulletin has someone in a suit yelling about “indexation” and “distortions” and you’re left wondering whether the bloke on the telly just took something off you or gave you something, and whether you should be cross about it.

Let me have a crack. No jargon. Promise.

What actually changed on budget night

A week ago, on 12 May, Jim Chalmers handed down the budget. Three things matter for normal people:

One. From July 2027, when someone sells an investment, a rental, some shares, a business, the tax rules change. The old deal was simple: hold it more than a year, only pay tax on half the gain. The new deal: you only pay tax on the bit that beats inflation (the “real” gain), but with a minimum tax rate of 30% on whatever’s left.

Two. Negative gearing, where landlords offset rental losses against their wage, gets limited to new builds only, also from July 2027. If you’ve already got an investment property, nothing changes for you. You’re grandfathered in.

Three. Family trusts get a minimum 30% tax from July 2028. This is the bit that’s upsetting small business owners, because a lot of them run their butcher shop or tradie business through a trust.

What it means for you, Betty

Here’s the thing the government has been hopeless at saying out loud: if you’re a pensioner, the minimum 30% tax on capital gains doesn’t apply to you. Pensioners are exempt. That’s in the budget papers. Nobody’s said it on the 6 o’clock news because it doesn’t fit either side’s story.

If you own your home, your home is not touched. The main residence exemption is untouched. Sell the house, no tax. Same as it ever was.

If you’ve got a bit of super, your super is not touched. The CGT discount inside super funds stays.

If you’ve got a rental you bought years ago, nothing changes for you unless and until you sell, and even then the old rules apply to the gains you’ve already made.

So far, so boring. So why is everyone yelling?

Why everyone’s yelling

Because of the bit that isn’t about Betty. It’s about Betty’s nephew Luke who runs a life-coaching business, or your neighbour’s daughter who started a little software company in her garage. When they eventually sell, the government takes a minimum 30% slice. Small business owners have started making AI memes of Anthony Albanese photoshopped into their shop windows as the “silent partner” the bloke who didn’t do any of the work but turns up on settlement day with his hand out.

That’s the meme. And memes win arguments these days, Betty, whether we like it or not.

Now , the government will tell you there are small business CGT concessions that still let eligible owners halve or even wipe their CGT bill on sale. That’s true. They are real and they are generous. But Jim Chalmers spent a week not saying it loud enough, and Anthony Albanese spent a week saying “we’re returning to the pre-1999 system” as if anyone under 50 remembers what the pre-1999 system felt like.

The bit that should actually worry you

It’s not the policy. It’s the competence.

A week after budget night, Labor’s own backbenchers are telling journalists they can’t explain it. The Prime Minister himself admitted yesterday that the trust changes “will take longer to develop”, which is political code for we announced it before we’d finished designing it. He’s said he’ll bring the CGT legislation to Parliament “in a fortnight.” Everything’s in a fortnight. Nothing’s actually happened yet.

If your accountant won’t ring you back and the Treasurer can’t explain the policy on Insiders, that’s not your fault, Betty. That’s theirs.

What to actually do

  1. Don’t panic-sell anything. The changes don’t start until July 2027. You’ve got over a year. Existing assets are mostly grandfathered.
  2. If you’re a pensioner, breathe out. The minimum tax doesn’t apply to you.
  3. Keep ringing the accountant. When he finally picks up, ask him two questions: does anything I own get caught by the new rules, and if so, when do I need to decide anything? That’s it. Don’t let him bill you for an hour of jargon.
  4. Watch the trust stuff. It’s the bit most likely to change between now and when it’s legislated. If anyone tells you what the final rules are before about September, they’re guessing.

The bottom line

The budget isn’t the disaster the memes suggest, and it isn’t the masterstroke the press releases suggest. For most pensioners and most homeowners, very little changes. For people who own businesses they plan to sell, or who use family trusts, there’s real stuff to work through and the government hasn’t finished working it through itself.

Anthony Albanese has earned his new nickname. He is the silent partner, silent on the bits that would reassure you, silent on the bits that would honestly admit what’s still being figured out. Until he starts talking like a human being instead of a Treasury press release, Betty from Blacktown is going to keep being confused. And so will the rest of the country.

Hang in there. Ring the accountant on Monday. And if he still won’t pick up, ring me.

When Rupert Gets Nervous. We See Last-Minute Smears in Kiama

If you have followed politics for a while, you know how it works. In the final days before an election, when most voters have made up their minds and time is too short to explain the full story, opponents throw mud. It doesn’t have to be accurate. It just has to plant doubt.

That is exactly what has happened in Kiama this week.

Headlines in the Daily Telegraph ,  a Rupert Murdoch-owned tabloid well known for sensationalism,  have suggested that Kate Dezarnaulds praised disgraced former MP Gareth Ward, even as he begins serving his sentence. What those headlines left out was the context  and the truth.

What Kate actually said

Kate has always been clear about her views on Gareth Ward. Back in 2023, when he was re-elected while facing serious charges, she said she was ashamed Kiama had returned him to parliament. She was threatened with legal action over that comment, but she stood by it.

More recently, in conversation with voters and journalists, she acknowledged something many in Kiama have said themselves: that Ward had a reputation for being responsive and available when people contacted his office. In Kate’s own words, “both things can be true at the same time”  that someone can be diligent in parts of their professional role while also losing all trust because of their personal conduct and criminal conviction.

That is not praise, it is honesty. It reflects what people in Kiama have told her as she has knocked on doors and held conversations across the community. Pretending otherwise is misleading.

Why the story is surfacing now

The timing says everything. This controversy has been dredged up in the final days before the by-election because Kate’s conservative opponents are worried. They know her campaign has momentum, and that voters are tired of party politics and are open to electing a strong independent voice.

When political operatives are nervous, they fall back on the oldest tactic in the book: take comments out of context, make them sound worse than they are, and amplify them through friendly media outlets. The Daily Telegraph is owned by Rupert Murdoch and he is no stranger to running last-minute attack stories when independents or community-backed candidates are gaining ground.

What matters most

The real story here is not about Gareth Ward. It is about Kiama’s future.

Kate Dezarnaulds has:

  • spoken up with courage when others stayed silent, even when she was threatened legally for criticising Ward’s re-election,

  • spent months listening to locals about what matters most to them,

  • and built strong connections with sitting independents in parliament, who are already delivering results for their communities.

This by-election is not about defending the past. It is about who we trust to represent Kiama now and into the future.

A distraction, nothing more

When you see a headline like this in the final hours of a campaign, remember: it is a tactic. It is designed to distract from the real issues, to muddy the waters, and to make voters second-guess themselves.

The truth is simple. Kate Dezarnaulds has been consistent: she was ashamed of Kiama’s re-election of Ward, she acknowledges the reality of what locals have said about his work ethic, and she has always been clear that his actions have disqualified him from trust and public service.

What her opponents are really afraid of is not her words about the past. It is her commitment to the future.

#KiamaVotes #MurdochMedia #Independents #CommunityFirst #MediaPower #DoingPoliticsDifferently #PeopleBeforePolitics

Independents put housing at the heart of the conversation in Kiama

On 4 September the Grand Hotel in Kiama was packed for an Independent Forum hosted by Kate Dezarnaulds, the independent candidate contesting the Kiama by-election on 13 September. To frame the discussion, Kate invited two sitting MPs, Alex Greenwich, Independent Member for Sydney, and Judy Hannan, Independent Member for Wollondilly, along with former South Coast MP John Hatton AO. Together, they brought the past, present and future of independence in NSW politics to the table. The night was about showing how independents can shape politics differently, closer to community and outside the party machine.

“It’s not a housing crisis, it’s an affordability crisis.”

That line cut straight through the noise. It was not a talking point, it was lived reality, and it landed in a room full of people who know exactly how deep the problem runs on the South Coast.

Speaker after speaker circled back to the same truth: the problem is not simply the number of houses, it is whether people can afford to live in them.

Alex Greenwich was blunt.

Short term rentals are swallowing up affordable stock. Nurses, teachers, hospitality staff, even a homelessness caseworker he had met, are being forced out of the towns they serve because they cannot find anywhere to rent. His solution was inclusionary zoning, where every new development must deliver social and community housing in perpetuity, not just fifteen year “affordable housing” deals that quietly expire.

Judy Hannan brought it home with local grit. In parts of her electorate, sewer is still being trucked out of new estates every day. Families have moved into houses without buses, schools or water infrastructure in place. Her message was clear: housing without services is not community.

It is government chasing stamp duty dollars while locals are left to live on construction sites.

 

Kate Dezarnaulds named what many in the room felt but rarely hear said aloud:

“The market will not deliver social housing because there is no profit in it.”

The major parties, she argued, have lost the courage to invest in vulnerable people, one side clinging to market ideology, the other afraid of looking anti business. That has left a vacuum where independents can speak the truth plainly. We need government backed social housing again, at scale.

And the audience pressed the panel further. Kiama local Mark Bryant asked why young families are still hit with crippling stamp duty, locked out of ownership once land prices pass $575,000. His question cracked open a bigger conversation about how NSW funds itself. Alex called out the state’s addiction to stamp duty and pointed to alternatives such as Victoria’s levy on short term rentals, higher mining royalties, and fixing poker machine loopholes. Judy and Kate agreed that housing reform cannot happen without revenue reform.

By the end of the night, the story was clear. Housing is about more than bricks and mortar. It is about courage to fund social housing, integrity to tie development to infrastructure, and clarity to stop calling unaffordable rentals “affordable housing.”

The independents did not promise easy answers. What they offered was honesty.

We can build houses forever, but unless we change how we fund, plan and protect them, our kids still will not have anywhere to live.

Further reading

A quarter of Australia’s property investments held by 1% of taxpayers, data reveals

#KiamaVotes #HousingCrisis #AffordableHousing #SocialHousing #Independents #NSWPolitics #CommunityFirst #IntegrityInPolitics

Serena Copley has Strong Roots in the Community, and a Focus on Small Business and Youth

  • Serena Copley, the Liberal candidate for the Kiama by-election, speaks of herself as someone shaped by deep community roots and a lifetime of civic involvement. She has lived in the Shoalhaven since 1989, raised her family there, and now counts four generations living in postcode 2541. Her children were educated locally and her grandson was born in the region.

“My roots run deep and my dedication to this community is enduring,” she told me.

For the past 14 years Serena has worked as a trainer and assessor in the vocational education sector. It is work she describes as “extraordinarily rewarding,” training unemployed young people and helping them build life skills and confidence, while also working with local businesses through traineeship programs. She sees this as a natural extension into politics:

“It’s about working with people and helping people solve their problems and making our community stronger.”

Youth issues are central to her story. Serena speaks with conviction about the young people she has trained who have discovered confidence and purpose.

“It’s about reminding them that they are valuable and have something to contribute,” she said. “When you see someone realise their own worth, it’s inspiring. They are our future.”

On small business, Serena is unequivocal: “It’s the engine room of our economy.” She believes that when small business thrives, whole communities thrive too. “Small business people are the ones who sponsor the footy jerseys, support the local charities, and keep our towns vibrant. A strong small business sector means strong, connected communities.”

“Small business is the engine room of our economy. When it thrives, communities thrive too.”

Growth, she acknowledges, is part of every community’s story, and she believes Kiama can embrace it in a way that strengthens what is unique about the South Coast.

“How we grow is a choice,” she said. “We can choose growth that is responsible, sustainable, and led by community values. We can choose development that comes with the right infrastructure, schools, parks, and services, so new families are well supported, and our environment is respected.”

On political culture, Serena stresses respect.

“I can disagree forcefully and strongly, but not disrespectfully.” She believes voters are ready for politics that models collaboration, honesty, and listening. “What you’ll get is what you see. There’ll be times my parliament colleagues may not agree with me, but I’ll always do what I think is best for the community.”

Her years in local government have also shaped her views on accountability. As a Shoalhaven councillor, she pushed for council to streamline its operations before considering rate rises. For her, local government matters because its decisions are felt immediately and directly.

“When local government works well, the whole community benefits. It should be efficient, effective, and focused on people.”

In the end, she frames her candidacy as both personal and principled.

“This is not just a flash in the pan thing for me. This is a deep and abiding love of my community,” she said. “I will be the member for everybody whether you voted for me or not, because you are part of the community I care deeply about.”

#KiamaByElection2025 #SerenaCopley #KiamaVotes #CommunityFirst #SmallBusinessStrength #YouthOpportunity #ResponsibleGrowth #NSWPolitics

From State Government Talking Points to Cash-Flow Pressures: A Tale of Two Conversations

“Small business is the engine of our regional economy. If we fuel it properly, confidence and community will follow.”

Kiama By-Election Independent candidate Kate Dezarnaulds has written an op-ed about Monday’s Business Illawarra forum at Kiama Pavilion. She describes a striking contrast.

On one side, the Premier and Treasurer with their polished talking points about hospitals, schools, and long-term reforms.
On the other, small business owners raising the real and immediate pressures they are facing: spiralling insurance, high energy bills, housing shortages, unreliable trains, disappearing support programs.

Kate argues that this is exactly the gap we need to close, between “policy horizons” and the weekly cash-flow reality of the people who keep our communities running. She points to six practical shifts that could make a difference now: fixing insurance settings, lowering energy bills for business, building housing near jobs, reliable trains, tailored business support, and unlocking employment land.

Her message is simple. Small business is the engine of our regional economy. If we fuel it properly, confidence and community will follow.

#KiamaByElection2025 #SmallBusinessVoices #KiamaCommunity #BeyondTalkingPoints #NSWPolitics #LocalEconomy #BusinessReality #Kate Dezarnaulds

The Truth About Pork-Barrelling and Why It Fails the Pub Test.

Pork-barrelling isn’t new money, it’s political theatre and Kiama deserves more than staged announcements.

Major projects like schools, hospitals, transport, and sporting facilities are not launched randomly. They are pre-planned and locked into the NSW State Budget, which operates on a four-year cycle. Each year, an Appropriation Bill is passed in Parliament to authorise spending for the upcoming financial year, while forward estimates forecast funding for the next three years.

This means even if a party wins a by-election, they cannot rewrite those allocations mid-cycle, because budgets are legally set and must follow the budget process, except in urgent, unforeseen scenarios.

What changes is the timing of announcements, not the funding itself. Politicians often delay revealing already-budgeted projects until campaign season, especially in marginal seats. That creates the illusion of surprise investment when, in reality, it is not new money, just political theatre.

That is why this by-election needs more than Band-Aids. We cannot keep mistaking staged announcements for new investment, or allowing political theatre to distract from the deeper, structural issues that remain unaddressed.


#KiamaByElection2025 #KiamaVotes #BeyondPorkBarrelling #PoliticalTheatre #PolicyNotPromises #BigPictureThinking #CommunityFirst #NSWPolitics

Could Andrew Thaler actually deliver for Kiama?

If Andrew Thaler struggled to work collaboratively at Snowy Monaro Regional Council, how can Kiama voters trust that he will work effectively with other MPs in Macquarie Street?

The Kiama by-election is now one of the most hotly contested in recent memory, with a mix of male and female candidates across the spectrum.

Andrew Thaler, a Snowy Monaro councillor, is running as a combative, anti-establishment voice. He says he wants to reopen public lands, pause housing development, and push back on what he calls “woke” agendas.

But here’s the real issue: in NSW Parliament independents only achieve real outcomes when they hold the balance of power or work collaboratively with others.

Thaler has positioned himself as firmly against all the major parties, describing Labor, Liberal, and the Greens as part of the same “coalition.”

Right now, the established independents  – Alex Greenwich, Greg Piper, Joe McGirr, and Michael Regan  – are pragmatic and centrist. Thaler’s positions don’t naturally align with them, which could leave him isolated.

That means his impact would likely be symbolic, not legislative.

👉  Kiama voters need to decide whether they want a representative who can work constructively inside the system to deliver results, or a candidate whose influence is more about protest than progress.

Disclaimer: These views are my own opinions.

Mainstream media outlets have repeatedly questioned Andrew Thaler’s suitability for public office, describing him in the following terms:

2GB – Ben Fordham Live (13 Mar 2025)

Canberra CityNews (Aug 2025)

Australian Online News (18 Apr 2025)

Brisbane Times (2025 – aggregated)

ABC News (30 Jul 2025)

About Regional (31 Jul 2025)

#KiamaByElection2025 #KiamaVotes #IndependentPolitics #NSWPolitics #PopulistFactor #ElectionChoice #CommunityFirst #PolicyNotProtest

Make Your Vote Count – Thoughts on Andrew Thaler and the Populist Factor in Kiama

The Kiama by-election has already made history with an all-female field of declared candidates who have a real chance of being elected . Into that contest, a new name has emerged, Andrew Thaler, a Snowy Monaro councillor who has built a reputation for being outspoken, controversial, and often combative.

In a profile published in The Bugle, Thaler presented himself as a married father of five, a small businessman of 30 years, and an independent voice offering “fair, genuine Independent representation, with a strong desire to return lost rights and to re-open our public lands, beaches and forests for all to enjoy.” He described himself as “someone who knows the earth is round and the governments’ power is limited by the people.”

In contrast, comments he gave to the Sydney Morning Herald took a sharper turn. He was quoted saying he is the “perfect candidate to stop another woman from getting a seat in Macquarie Street,” and that “people are sick of the women and woke agenda.” Reports also noted his history of calling women “fat, bitches and cows” and referring to a female councillor as a “fat, dumb blonde.”

On paper, Thaler and I hold very different values. As a woman, I can see he is unlikely to be interested in my thoughts or experiences. What is clear, however, is that his rhetoric positions him firmly in the same territory as populist groups like One Nation. His focus is anti-“woke,” anti-establishment, and distrustful of institutions and regulation.

What impact do candidates like this have?

Kiama has seen before how late-entry candidates or smaller parties can shift the dynamics of a campaign. Fisher and Shooters, Family First, and others have at times attracted protest votes from people dissatisfied with the major parties.

The impact of such candidates usually falls into three categories:

  1. Diluting the primary vote. Even if they do not win, they can peel votes away from one or more of the leading candidates, making the outcome tighter.
  2. Shaping the debate. By raising emotive issues such as gender, land use, or “lost rights,” they can force other candidates to respond, distracting from core policy questions.
  3. Preferences under NSW’s system. In a state by-election, optional preferential voting applies. Voters can number just one box, or add preferences. This means minor candidates do not automatically funnel their votes to the majors, but they can still have an impact. If their supporters allocate preferences, those flows can be decisive in a close race.

This by-election is about more than one candidate or one party promise. It is about the kind of representation Kiama deserves. Let’s keep the focus on ideas that build community strength, equality, and long-term solutions — and make sure our votes reflect those values.

Don’t throw your vote away. I understand why people are disillusioned.  I am too. But we need to believe that we can effect real change. If we vote for candidates who have a real chance of being elected, we can be part of that change.

The Kiama by-election has already made history with an all-female field of candidates offering a range of perspectives and solutions. Into that race, Andrew Thaler has stepped forward with rhetoric that is openly dismissive of women and framed in populist, anti-establishment terms.

We’ve seen before how late-entry candidates and minor parties can shift the debate, peel votes away from serious contenders, and distract from the big issues. Even without winning, they can dilute the primary vote and shape outcomes through preferences.

This election is too important to let that happen. Let’s keep the focus on candidates with constructive ideas for Kiama’s future – housing, cost of living, youth opportunity, and the health of our environment. Our community deserves leaders who want to build us up, not divide us.

Your vote matters. Let’s make it count.

Mainstream media outlets have repeatedly questioned Andrew Thaler’s suitability for public office, describing him in the following terms:

2GB – Ben Fordham Live (13 Mar 2025)

Canberra CityNews (Aug 2025)

Australian Online News (18 Apr 2025)

Brisbane Times (2025 – aggregated)

ABC News (30 Jul 2025)

About Regional (31 Jul 2025)

#KiamaByElection2025 #AndrewThaler #Populism #PopulistFactor #NSWPolitics #KiamaVotes #IndependentPolitics #ElectionDynamics

 

A Creative Eye on Kiama’s Housing Crisis. Kate Dezarnaulds’ Ideas for Change

Kate Dezarnaulds has built a reputation for turning ideas into action. From grassroots initiatives to high-profile advocacy, she has long worked at the intersection of creativity, community and strategy. Now, as  the Independent candidate for the Kiama by-election, she is applying that same approach to one of the region’s most pressing issues: housing.

Kate believes housing policy should balance social need with individual investment. A roof over one’s head should be treated as part of the basic social safety net. She argues that solutions must be practical, grounded in the realities of community life, and bold enough to bridge generational perspectives

“We all want a roof over our heads, we want to make sure our kids can aspire to do the same, and we want to know that people are not being left homeless in our towns,” she says.

Kitchen table conversations

Kate’s approach to politics begins with listening. She hosts coffee mornings that feel more like kitchen table conversations, where people can sit down with her, share their experiences, and know they are being heard. The most important part, she says, is not to talk but to listen.

She uses what she calls powerful questions to guide those conversations.

“What change do you want to see for yourself, for other people, and for your place?”

By framing it this way, she helps shift people out of the complaints department and into constructive dialogue. It creates space for people to identify what matters most to them, whether that is housing security, opportunities for their children, or the character of their towns. For Kate, these conversations are the foundation of building trust and shaping policy that reflects real community priorities.

Building social licence

For Kate, one of the missing pieces in the housing debate is social licence. She describes this as community consensus, the willingness to accept change because people can see that short-term pain leads to long-term gain. Without social licence, every proposal is met with opposition.

She draws on her experience in bushfire recovery, where she learned the importance of hosting conversations in times of complexity. She believes the same skills are urgently needed for both housing and energy transition.

“Our political system has become very good at saying no. We need to get better at building licence to say yes, so we can move forward together,” she says.

Rethinking affordability

Kate is blunt about the limits of the way “affordable housing” is often used in policy. She sees it as a distraction from the real issue.

“What has been missing is the willingness to integrate social housing into our communities. If we build support and funding for social housing solutions, the rest of the housing system will not be under as much stress.”

She welcomed Kiama Council’s recent Housing Strategy, which acknowledged the transition ahead and the need to build community consensus.

“For the first time, I heard recognition that change must be accepted and managed. It was not developer led, it was led by demography and social inclusion, and that gave me hope.”

Generational fairness

Younger residents are desperate to get into the housing market. Older residents worry about security and affordability. Kate believes the way forward is to make the conversation real, not abstract.

“Start with where people are at. For some that means daily survival, for others it is about their children or their town. But everyone should be asked what change they want for themselves, for other people, and for their place. That is how you build a bigger picture and common ground.”

Fixing the system

Kate is clear that investor incentives like negative gearing and capital gains tax exemptions have distorted the market, but she argues the deeper problem is the massive backlog of social housing.

“We have a one million home shortfall in social housing nationally. People have been on waiting lists for ten years or more. Unless we are brave enough to build social licence for public housing, the rest of the debate is just smoke and mirrors.”

She adds that pouring Commonwealth rent assistance into the private market only worsens the problem. “That money should be building new public housing, not propping up unaffordable rents,” she says.

A new way forward

For Kate Dezarnaulds, housing is not just about supply or tax tweaks. It is about trust, inclusion, and the courage to lead the community through change.

“Proper planning leads to happy, resilient communities. We need to stop fighting over the scraps and start planning for the future together.”

#KiamaVotes #KiamaByElection #HousingCrisis #SocialHousing #CommunityVoice #KitchenTableConversations #KiamaCommunity #Shoalhaven #SouthCoastNSW #LocalLeadership